According to the report, individuals without subsidies have seenaverage monthly premium costs rise 68% between 2014, the year ofthe ACA's first nationwide open enrollment period, and 2020.(Image: Shutterstock)

The average family of four could face more than $25,000 annuallyin premium and deductible costs, according to a new report onAffordable Care Act health care costs for unsubsidized consumers,according to a new report by health insurance marketplace operatoreHealth, Inc.

The average family of four has an average monthly premium of$1437 per month, or $17,244 annually and an average deductible of$7,767.

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The full report, "ACA Index Report on Unsubsidized Consumers in the2020 Open Enrollment Period," was issued this month byeHealth, Inc. which operates a health insurance marketplace on thesites eHealth.com and eHealthMedicare.com.

"Many people who buy Affordable Care Act (ACA) coverage receivefederal subsidies to make it more affordable, but a significant andoften overlooked number of consumers are asked to shoulder the fullburden of costs without assistance," said eHealth CEO ScottFlanders.

"The ACA may be working for those who receive federal subsidiesbut many middle-income consumers are being priced out of coveragejust when the coronavirus pandemic is reminding everyone of thevalue of a quality, comprehensive health insurance plan," hecontinued.

For the 2020 coverage year, two-person families paid an averagemonthly premium of $983, 2% lower than they paid in 2019. But the$1,437 average monthly premium paid by four-person families was 2%higher than last year.

A look at costs for individuals

According to the report, individuals without subsidies have seenaverage monthly premium costs rise substantially over six years,from $271 in 2014, the year of the ACA's first nationwide openenrollment period, to $456 for the 2020 plan year, a 68% increase.(But between 2019 and 2020, average individual premium costsincreased just 2% between, per the report.)

As for average annual deductible costs, they were $4,364 forindividual plans, a 1% increase over 2019. The average annualdeductible rose just 5% from 2014 to 2020, the report found.

The report states that individuals who receive federal subsidiesunder the ACA pay an average of about $80 per month to maintaintheir coverage.

Read more: 

• 2021 health insurance premiums: What toexpect
• 5 states paying the most, least in health insurancedeductibles
• Despite increase in ACA coverage, more people can'tafford care