For the 2024 plan year, the insurance market remains challenged by costs, uninsured individuals, and access to care. The Center for Health and Economy (H&E) is dedicated to assessing the impact of proposed reforms that attempt to address these issues. The following report details the most recent updates to the H&E baseline estimates of insurance coverage, federal budgetary impact, plan choice, and the premium landscape of health insurance for Americans under the age of 65.

Key findings of the baseline:

• H&E estimates there are 251 million non-elderly U.S. residents with health insurance in 2024 – 91 percent of the total non-elderly population.
• The individual market includes an estimated 16 million members in 2024, with 13 million lives covered through subsidized insurance offered in the Health Insurance Marketplace; the total size of the individual market is estimated to decline throughout the budget window, sinking to 7 million in 2034.
• The family glitch fix (from 2023) is now accounted for in the estimates and has increased the number of individual-market insured by approximately 1 million.
• The health insurance coverage provisions under current law for the non-elderly are estimated to increase federal outlays by $6.7 trillion from 2024–2034.

Read the analysis