The report outlined three specific policy proposals to address the problem:

To keep Americans covered, Congress could make permanent the enhanced marketplace plan subsidies that are extended for three years under the Inflation Reduction Act of 2022. The survey shows that premium costs figure heavily in consumers' decisions to enroll and stay enrolled in marketplace plans.
Congress also could provide a path to coverage for Medicaid-eligible people in states that have yet to expand the program. This could reduce the number of uninsured people in those states by an estimated 1.9 million. The Urban Institute estimates that blacks would make the biggest gains in those states, with uninsured rates falling by 27%.
To help protect consumers from medical debt, Congress could ban short-term plans and other coverage that doesn't comply with the benefit requirements of the Affordable Care Act. It also could rein in deductibles and out-of-pocket costs in marketplace plans. In addition, states could use rate regulation to limit growth in premiums and cost sharing, as Rhode Island has done.

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Proposed policy changes to address unaffordability of health care