Dive into the Numbers: These ACA Enrollment Trends Will Surprise You

Take a look at these ACA enrollment trends– does the data surprise you?

Pay attention to ACA Enrollment Data 

ACA sales are way down this year compared to last, but the story doesn’t stop there.

Our recent state level ACA Enrollment Trends Analysis reveals powerful insights into the role of brokers, marketers, and enforcement in reshaping the ACA landscape. For data enthusiasts (Ok, nerds) like us at NCD, these trends highlight critical shifts that demand attention.

Here’s a snapshot of the data:

• Healthcare.gov totals down 27.75% year over year
• State based exchanges up 32.44%
• Healthcare.gov new consumers- down 47.12%
• State based exchange new consumers up 64.29%

What’s driving these trends? Let’s dig deeper.

Key Trends Shaping ACA Enrollment

1. Healthcare.gov Struggles with Fraud Enforcement
Healthcare.gov has faced tighter fraud prevention measures, including stricter enforcement of broker-switching rules and a crackdown on shady marketing tactics. While these steps address critical issues, they’ve also created hurdles for brokers and marketers in scaling their efforts.

2. State-Based Marketplaces Are Thriving
State-based exchanges have experienced fewer fraud-related disruptions, with enrollments up 32.44% overall and 64.29% among new consumers. Localized adaptability and fewer compliance hurdles have made these exchanges more accessible to consumers.

3. Georgia’s Enrollment Crisis
Georgia’s dramatic 79.75% enrollment drop stems from its shift from Healthcare.gov to a state-based exchange. Many large ACA distributors, focused on the scalability of FFM states, deprioritized Georgia. This highlights the critical role of brokers and scaled marketing efforts in driving ACA enrollments.

NCD’s Commitment to Empowering Brokers

At NCD, we’ve built a reputation as one of the best-rated insurance plans in the country, just take one look at our google reviews.  We’re committed to supporting brokers through the shifting trends in this industry.

Our Role in the ACA Market
As a trusted partner to brokers and agents, NCD provides innovative dental and vision plans that complement ACA coverage. These plans meet consumers’ evolving needs, offering affordable and essential benefits alongside health insurance.

Data-Driven Insights for Better Decisions
We believe data isn’t just about answers—it’s about asking the right questions. That’s why our team works tirelessly to analyze emerging trends and equip brokers with actionable insights. By understanding shifts like these, brokers can better navigate challenges and seize opportunities in the ACA market.

Why These Trends Matter to NCD

The decline in ACA enrollments across FFM states underscores the need for trusted, value-driven coverage options. At NCD, we’ve seen a rising demand for dental and vision plans, especially as consumers seek comprehensive healthcare solutions.

Complementary benefits like ours are increasingly essential for consumers managing their healthcare budgets. Whether through brokers or direct enrollments, our plans provide flexibility, affordability, and peace of mind.

Actionable Takeaways for Brokers

Here’s what brokers can do to adapt to these trends:

• Focus on State-Based Exchanges: These marketplaces present growth opportunities with rising enrollments and fewer compliance challenges.
• Promote Complementary Coverage: Dental and vision plans are invaluable to consumers who want holistic care without breaking the bank.
• Leverage Data: Use insights like those provided by NCD to stay ahead of market shifts and position yourself as a trusted advisor.

Want to Explore the Full Dataset?

The ACA enrollment data reveals shocking swings of 40% or more in various states. From the CMS dataset to state-by-state analyses, we’re happy to share the details.

📩 Email us at agentinfo@ncd.com for the full dataset and insights.

Or, connect directly with Sam Melamed on LinkedIn here, NCD’s Chief Insurance Nerd and CEO, for a walkthrough of the numbers.

NCD: Your Partner in Navigating Healthcare Trends

At NCD, we’re dedicated to empowering brokers with innovative solutions and actionable insights. From ACA trends to best-in-class customer service, we’re here to help you thrive in an ever-changing market.

Data is rarely about the answers and mostly about asking the right questions from it. One fun thing about having really smart and quick data analysts on the NCD team is their ability to enhance the data questions while still cranking out great analysis. This post was made possible by NCD Business Analyst, Cooper Tretter.