The Brief

For millions of Americans who buy their own health insurance through the Affordable Care Act marketplace, the end of the year brings a day of reckoning: It's time to compare benefits and prices, and consider changing to a new plan, or enroll for the first time.

Open enrollment starts Wednesday for the ACA's federal and state exchanges. Consumers can go online, call, or seek help from a broker or other assister to learn their 2024 coverage options, calculate their potential subsidies, or change plans.

In most states, open enrollment lasts through Jan. 15, although some states have different time periods. California's, for example, is longer, open until Jan. 31, but Idaho's runs from Oct. 15 to Dec. 15. In most states enrollment must occur by Dec. 15 to get coverage that begins Jan. 1.

Health policy experts and brokers recommend all ACA policyholders at least look at next year's options, because prices — and the doctors and hospitals in plans' networks — may have changed. Here's what else you need to know.

People bumped from Medicaid may be eligible, and could make it another record year for signups

ACA plans are now well entrenched — an estimated 16.3 million people signed up during open enrollment last year. This year may see even larger numbers. Enhanced subsidies first approved during the height of the COVID pandemic remain available, and some states have boosted financial help in other ways.

In addition, millions of people nationwide are losing Medicaid coverage as states reassess their eligibility for the first time since early in the pandemic. If you're one of those ousted, be aware you could be eligible for an ACA plan. You can sign up as soon as you know you're losing Medicaid coverage — even outside of the open enrollment season.

Assistance from brokers comes with new strings

An important caution: Don't wait until the last minute, especially if you are seeking help from a broker. Consumers this year will be asked to certify that they voluntarily agreed to brokers' assistance and that their income and other information provided by brokers is accurate.

It's a good protection for both parties, said broker Joshua Brooker, founder of PA Health Advocates in Pennsylvania. But brokers are concerned the requirement could cause delays, especially if clients wait until right before the end of open enrollment to apply.

"Brokers will need to stop what they are doing right at the end before they click 'submit' and wait for the consumer to sign a statement saying they reviewed the policy," Brooker said.

Your premiums could go up — shop around

While some health plans are lowering premiums for next year, many are increasing them, often by 2% to 10%, according to a Peterson-KFF Health System Tracker initial review of rate requests. The median increase, based on a weighted average across its plans for each insurer, was 6%.

Premiums, and whether they go up or down, vary widely by region and insurer.

Experts say that's a big reason to log on to the federal website, healthcare.gov, in the 32 states that use it, or on to the insurance marketplace for one of the 18 states and the District of Columbia that run their own. Changing insurers might mean a lower premium.

"It's very localized," said Sabrina Corlette, research professor and co-director of the Center on Health Insurance Reforms at Georgetown University. "People should shop to maximize their premium tax credit, although that might require not only changing to a new insurance plan, but potentially also a new network of providers."

Most people buying their own coverage qualify for the tax credit, which is a subsidy to offset some, or even all, of their monthly premium. Subsidies are based partly on the premium of the second-lowest-priced silver-level plan in a region. When those go up or down, possibly from a new insurer entering the market with low initial rates, it affects the subsidy amount.

Household income is also a factor. Subsidies are on a sliding scale based on income.

Subsidies were enhanced during the pandemic, both to increase the amount enrollees could receive and to allow more families to qualify. Those enhancements were extended through 2025 by President Joe Biden's Inflation Reduction Act, passed last year.

Online calculators, including one at healthcare.gov, can provide subsidy estimates.

You may qualify for lower deductibles and copays

In addition to the premium subsidies, most ACA enrollees qualify for reduced deductibles, copayments, and other types of cost sharing if their income is no more than 2.5 times the federal poverty level, or about $75,000 for a family of four, or about $36,450 for a single-person household.

ACA plans are grouped into colored tiers — bronze, silver, gold, and platinum — based largely on how much cost sharing they require. Bronze plans offer the lowest premiums but usually the highest copayments and deductibles. Platinum plans carry the highest premiums but the lowest out-of-pocket expenses for care.

Cost-sharing reductions are available only in silver-level plans and are more generous for those on the lower end of the income scale. New this year: To help more people qualify, the federal marketplace will automatically switch eligible people to a silver plan for next year if they are currently enrolled in a bronze plan, as long as the enrollee has not made an adjustment in coverage themselves.

There are safeguards built in, said insurance expert and broker Louise Norris, so that people are auto-enrolled in a plan with the same network of medical providers and a similar or lower premium. Additionally, nine of the states that run their own marketplaces — California, Colorado, Connecticut, Maryland, Massachusetts, New Jersey, New Mexico, Vermont, and Washington — have enhanced their cost-sharing reduction programs by extending eligibility or increasing benefits.

Some 26-year-olds will get to stay on parents' plans longer

Happy birthday! Existing federal marketplace rules allowing adult children to stay on their parents' plans though the calendar year in which they turn 26, rather than lose coverage on their 26th birthday, were codified into regulation.

States that run their own markets can set similar rules, and some already allow for longer periods on a parent's plan.

Networks may be small — check that your doctors are covered

Insurance plans often try to reduce premiums by partnering with a limited set of doctors, hospitals, and other providers. Those can change year to year, which is why insurance experts like Norris say enrollees should always check their plans during open enrollment to ensure their preferred physicians and medical centers are included in the network.

It's also a good idea, Norris said, to look closely for changes in prescription drug coverage or copayments.

"The general message is, don't assume anything and make sure you check to see who is in the network," Norris said.

Last year, the Biden administration set rules requiring health plans to have enough in-network providers to meet specific driving time and distance standards. A proposal to limit how long patients wait for a routine appointment has been delayed until 2025.

What we still don't know

A few things remain uncertain as the end of the year approaches. For example, the Biden administration proposed this summer to reverse a Trump-era rule that allowed short-term insurance plans to be sold for coverage periods of up to a year.

Short-term plans are not ACA-compliant, and many have fewer benefits and can set restrictions on coverage, including barring people with health conditions from purchasing them. As a result, they are far less expensive than ACA plans. The Biden proposal would restrict them to coverage periods of four months, but the rule isn't final.

Also pending: a final rule that would allow people to sign up for ACA coverage if they were brought to the U.S. as children by parents lacking permanent legal status — a group known as "Dreamers."

KFF Health News, formerly known as Kaiser Health News (KHN), is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF — the independent source for health policy research, polling, and journalism.

Los Angeles Unified School District’s cell phone ban turns 1 year old today.

The state’s largest district announced a “bell to bell” cellphone and social media ban in June 2024, which expanded the district’s existing phone ban to include lunch and passing periods. The policy took effect Feb. 18, 2025. District officials cited rising concerns about the effects of phones and social media on youth mental health, bullying and distraction from classroom instruction.

How well did the ban go at the beginning?

Over the first semester, we heard from educators and students who had mixed opinions. Some teachers reported positive results, while others said that passing periods remained a challenge. Some students found the ban stifled their ability to get important things done, and some also said their screentime stayed the same or increased while at home. We made a whole episode of our Imperfect Paradise podcast about it:

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On February 18th, 2025, the Los Angeles Unified School District, the second largest public school district in the country, implemented an all-day cell phone ban for its students. We headed to Venice High School to see how the ban actually went.

Did the cellphone ban in high schools work?

On February 18th, 2025, the Los Angeles Unified School District, the second largest public school district in the country, implemented an all-day cell phone ban for its students. We headed to Venice High School to see how the ban actually went.

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What don't we know?

Since LAUSD’s proposal went into effect, other districts have also rolled out changes to cellphone policies in advance of a July 2026 state deadline. The long-term effects are unclear, although more researchers are investigating.

How’s it going?

You tell us! Has it improved your educational experience? (Whether you’re a teacher, student, parent or caregiver.) Here’s a quick survey you can use to share your thoughts.

Los Angeles remains on shaky financial ground with increased liability costs, overspending by city departments and revenue shortfalls forcing it to dip into its reserves, according to a financial report released Wednesday.

The annual report for the fiscal year that ended in June, from Los Angeles City Controller Kenneth Mejia, said the culmination of decades of “unstable budgeting” is seen and felt by Angelenos across the city “in crumbling infrastructure and deteriorating services.”

Additionally, short-term budget balancing over the past two years resulted in unpaid furlough days for city employees and the elimination of thousands of unfilled positions.

“The service impacts of those cuts are still hitting departments as they struggle to address growing needs with severely diminished capacities,” the report read.

Key takeaways

Here are some of the major points made in the report:

• The top area of overspending continued to be liability payments. Liability claims exceeded the budget by $199 million or 228%, totaling a record of $287 million for the year. The top three areas include police at $152 million, street services at $44 million and transportation at $20 million. 

• The top area of underspending was capital improvement projects. The city only spent $25 million (19%) of the $131 million budget.

• Salaries and employee benefits increased by $162.6 million (4.7%) compared to previous  years, primarily because of cost-of-living adjustments associated with labor agreements with civilian and sworn employee unions, sworn employee hiring, increased overtime usage and higher benefit and insurance premium costs. Property taxes, which represent 40.6% of general fund revenues, increased by 4.3%. Business tax revenue increased by 8.6%, while sales tax revenues declined by 2.2%

• The city had to make up $160 million in revenue shortfall by tapping the reserve fund, which dropped from $648 million two fiscal years ago to $402 million for fiscal year 2024-25. The reserve fund currently sits at 5.06% of the total general fund budget, according to a December financial status report from the city administrative officer — barely above the 5% minimum set by the City Council.

• Four ratings agencies, including S&P, Fitch, Moody’s and Kroll, have given the city a “negative outlook” over a variety of concerns including liability payments and damages from the Palisades Fire. A negative outlook indicates a heightened risk that a city’s credit rating may be downgraded within the next 12 to 18 months. L.A. still holds an Aa2 rating from Moody’s, which is considered a high grade.

The controller issued a series of recommendations, including shifting to a two-year instead of one-year budgeting process, more realistic revenue projections, and more revenue generation by growing the tax base (for example: implementing a vacancy tax or taxing rideshare/autonomous vehicles, not just raising the sales tax).

General fund challenges

Councilmember Eunisses Hernandez, a member of the city’s Budget and Finance Committee, said in the report that the city can’t keep relying on short-term fixes, while “structural deficits,” like ongoing budget shortfalls, grow.

She added that “years of draining reserves, soaring liability payouts, and underinvestment in infrastructure have left us in a perilous financial position that our communities are now forced to absorb.”

“We need transparent, multi-year budgeting rooted in long-term planning and fiscal responsibility,” Hernandez said.

Mejia said that although the city is halfway through its fiscal year, it continues to have general fund budget challenges.

“The current fiscal year’s budget assumes moderate revenue growth, however, the long-term impact of current economic activities on revenue growth remains unknown and revenue has been stable during the first half of the year.”

LA’s demographics

In addition to providing a financial picture, the report provided a demographic look at the city. L.A.’s population is 3.84 million, the average age is 37.5, the total school enrollment is 409,108 and the unemployment rate is 6%.

The city employs more than 50,000 workers, the metro L.A.’s GDP is $1.3 trillion (among the top 20 economies in the world), and LAX has 75 million passengers a year.

Erroneous and politically charged statements by Trump administration officials, as well as the district attorney for San Bernardino County, have complicated the prosecution of a truck driver charged with vehicular manslaughter in a crash on the 10 Freeway last year.

The statements highlighted the national origin of the driver, 21-year-old Jashanpreet Singh, who was born in India, contained false information on his immigration status and made unfounded allegations that he was driving under the influence.

It’s the latest in a series of instances where federal officials have injected politics into developing events. In some cases, statements by federal officials later turn out to be false and detrimental to prosecutions, as the New York Times recently found in at least four instances. Here in Southern California, statements by federal officials have ended up in court documents where Singh’s defense argues his prosecution has been tainted by anti-immigrant bias.

Statements by the Department of Homeland Security labeled Singh a “criminal illegal alien” who was driving under the influence. Singh was seeking asylum and authorized to work in the U.S. by the federal government. Toxicology tests taken after the crash came back negative for all substances.

“It is a terrible tragedy three innocent people lost their lives due to the reckless open border policies that allowed an illegal alien to be released into the U.S. and drive an 18-wheeler on America’s highways,” Department of Homeland Security spokesperson Tricia McLaughlin said in an Oct. 23 statement.

Arjun Sethi, a racial justice advocate, civil rights lawyer and adjunct professor at Georgetown University said these statements have compromised Singh’s ability to receive a fair trial.

“When you think of the variety of federal statements in this case, you see blatant racial and xenophobic rhetoric that is highly prejudicial,” Sethi said. “How can any juror set aside that rhetoric … and be able to ascertain the truth?”

Public defenders representing Singh argue similar statements by San Bernardino County District Attorney Jason Anderson, a deputy in Anderson’s office and the California Highway Patrol violate California's Racial Justice Act, a 2020 law prohibiting prosecutions influenced by racial bias.

Hearings on the Racial Justice Act claims will continue March 10. Singh's trial will commence after a judge rules on those claims. Preet has pleaded not guilty to the felony charges against him.

“I think authorities made statements infused by racial bias in this case,” Sethi, who has served as an expert in Racial Justice Act litigation, told LAist. “Bottom line, California authorities in this case mirror the racist political rhetoric we are hearing from the federal government.”

How we got here 

Six months before the crash that led to the charges against Singh, President Donald Trump took steps to restrict states from issuing commercial driver’s licenses to immigrants.

The U.S. Department of Transportation issued new emergency regulations in September that CalMatters reported could revoke the licenses of up to 61,000 immigrant truck drivers, amounting to 8% of the total commercial licenses in the state.

The department gave California 30 days to come into compliance with these new rules or risk losing millions of dollars in federal highway funds.

Gov. Gavin Newsom’s office disputed the Trump administration's claims, arguing that California’s licensed truck drivers had a lower fatal crash rate than the national average.

Then, in the early afternoon of Oct. 21, Singh’s semi-truck crashed on a crowded interstate.

Dashboard camera footage shows his truck colliding with passenger vehicles and another truck as one car went up in flames.

Singh was arrested and held without bail. Prosecutors charged him with vehicular manslaughter and reckless driving.

He was initially charged with driving under the influence, but the district attorney dropped those charges after toxicology reports came back negative for all substances.

As a deputy district attorney said in a filing, the crash immediately “generated high media interest and touched off a federal and state official-driven debate surrounding immigration policy and the state's issuance of commercial driver's licenses.”

Two days after the crash, the Department of Homeland Security published a news release arguing Singh, an asylum seeker, entered the country illegally in 2022 “and was RELEASED into the country under the Biden administration.”

DHS officials have not responded to LAist’s requests for comment. McLaughlin will reportedly leave the agency soon.

The U.S. Department of Transportation also issued a news release on Singh’s crash and California’s compliance with the new licensing rules. The release stated that Singh was operating his truck under the influence of drugs, despite a lack of evidence to support that claim.

In an email to LAist, a Department of Transportation spokesperson said California issued Singh’s Commercial Drivers License without properly vetting his qualifications.

Newsom’s press office directed LAist to the California Transportation Agency, which has yet to respond to emailed questions.

But in an earlier statement on social media, Newsom’s office stated that the federal government approved and renewed Singh’s federal employment authorization multiple times, and it was that approval that allowed him to obtain a commercial driver’s license in California.

Racial Justice Act claims

Public defender Jason Tucker argued in an Oct. 31 filing that Singh, his client, has faced multiple violations of the California Racial Justice Act, a law passed in 2020 that prohibits state authorities from seeking convictions or imposing sentences based on race, ethnicity or national origin.

Tucker has not responded to an emailed request for comment.

The filing highlights a motion to increase bail written by a California Highway Patrol officer shortly after the crash that claimed Singh was subject to deportation, despite being an asylum seeker who was authorized to work in the U.S. by the federal government, and a comment by a deputy district attorney about Singh’s use of an interpreter in court.

The primary violation, according to Tucker’s filing, occurred Oct. 23, when Anderson, the district attorney, issued a news release that tied the crash to state and federal policy.

“Had the rule of law been followed by state and federal officials the defendant should have never been in California at all,” Anderson’s statement said, before adding that Anderson’s office would “aggressively prosecute” the case.

According to the defense, this statement “injected Mr. Singh’s national origin, by way of his immigration status, into the criminal justice proceedings, despite evidence to the contrary.”

The DA’s reply

Deputy District Attorney Phillip Stemler, argued in a Nov. 10 court filing that the statements made by the office focus on policy without referencing or disparaging Singh’s identity, do not contain discriminatory language and do not meet the standards of a Racial Justice Act violation. Further, the district attorney is protected by the First Amendment, giving him latitude to speak on policy matters, according to the filing.

Stemler’s response stated that the Oct. 21 crash that killed three people and injured several others in Ontario “touched off a debate” about immigration and truck driving but that it was not Anderson’s office who politicized the case.

“It was federal officials who injected defendant’s immigration status into the media narrative on the defendant’s case,” reads the filing by Stemler, the Racial Justice Act coordinator for the office.

First, the filing references an Oct. 22 social media post by Duffy stating that his department was withholding $40 million from California because the state did not comply with the new federal rules.

“The following day, federal officials ramped up further,” the filing reads, pointing to the Oct. 23 DHS press release on the crash that referred to Singh as a “criminal illegal alien from India.”

Stemler’s filing says that the California Racial Justice Act does not apply to federal officials.

Sethi, the civil rights lawyer, said the statements by federal officials nevertheless compromise Singh’s ability to receive a fair trial.

“Long before Mr. Singh ever sets foot in a courtroom, there is a long shadow of political theater and xenophobic rhetoric that will be cast over him,” Sethi said, “and his case that is the fault of state and federal officials.”

Mara Harris loads a box of produce into her car, along with canned food and boxed goods. It marks the second week in a row she will drive the groceries to families across Los Angeles who say immigration raids are keeping them inside their homes.

“I got involved because I live in Highland Park, which is a primarily Latinx neighborhood, and I was feeling really frustrated and angry about our neighbors being unfairly treated,” Harris said.

Harris is a member of Nefesh, a Jewish outreach community that has partnered with local faith leaders to deliver goods. Her role is straightforward: pick up the groceries, drive them to families who have requested help, and drop them off.

“My husband is an immigrant,” she said. “I just think about the anxiety that we have going through the process, even with the resources we have access to, and I think about how impossible it is for other people to navigate that.”

She added, “It’s just chance that some people were born in countries that are safe and that provide them with opportunities, and other people are not. And I think the U.S. has an obligation to extend that opportunity to those people.”

The grocery deliveries are being organized by a Koreatown church that has seen a decline in attendance at its regular food distribution program in recent months. At the request of church leadership, The LA Local is not naming the church or its congregants out of privacy concerns and to avoid drawing attention to their immigrant community. It’s just one of a network of faith-based organizations responding to the need, and as raids show no signs of slowing down anytime soon, the group is seeking to expand its delivery hubs to more church sites.

Before the recent enforcement activity, the Koreatown church’s regular food distribution served between 500 and 600 people, according to one church organizer. In early February, they saw around 350.

“People are afraid, and unfortunately don’t know about services like this,” she said.

Multiple families have said they’re just too afraid to go out into the neighborhood, according to church leadership.

Since last summer, federal agents have carried out workplace raids, targeted day labor sites and arrested people in public spaces across the region. The Department of Homeland Security reported in December that more than 10,000 people had been detained in the LA area since June.

“There are members of our congregation that have immigration concerns that have told me they’re afraid to go out,” the pastor of the Koreatown church said. “I’ve spoken to at least four different families that are just afraid to go get groceries, are afraid to take their kids or their grandkids to school, and are worried about ICE activity in the neighborhood that’s been happening over the past seven months or so.”

In response, the church began coordinating home grocery deliveries in partnership with Clergy and Laity United for Economic Justice, or CLUE. The partnership started last summer after church staff noticed a drop in attendance at their weekly food distributions.

“A lot of people were afraid to go to the food bank at (the church), so they saw a big decline and understood that it was because people were afraid to come out, so CLUE partnered with them to do this delivery service,” said Liz Bar-El, a community liaison for CLUE.

Another staff member who has worked at the Koreatown church for six years said operations have been directly affected by enforcement activity in the area.

“I’ve been doing this for about six years. Last week, we had to stop at 11 a.m., and we used to close at 12, 12:30 because the ICE agents were around here,” he said. “And the number of people is decreasing because of ICE raids.”

The church pastor said families do not simply call and request food; there is a screening system to ensure that the program reaches those who are most concerned about leaving their homes.

CLUE has “folks that help call through the list of people that requested it to confirm for the day of their deliveries. They also have somebody that does a screening process to make sure that the people that are getting the deliveries qualify for the parameters of the program so that they’re not just getting people who are like ‘Yeah, you can deliver food to me’ but rather are really concerned about their status,” he said.

But Bar-El, the organizer with CLUE, said identifying families can be difficult.

“It’s likely due to fear of trusting somebody, they are hiding in their homes,” she said. “One way to reach them is through their pastors and the rapid response network that CLUE is a part of.”

Many of the requests stem from sudden changes in a family’s circumstances.

“This current situation with grocery delivery is mostly people who need help getting food because somebody got detained, deported and or the main breadwinner lost their job,” Bar-El said. “In one case, the husband was recently bonded out, and the wife was left home with three very small children.”

For Harris, the volunteer delivering food across multiple neighborhoods, the work is personal. She often thinks about her own family’s immigration status.

“My husband is British and he’s been working here off work visas for six years. He just applied for a non-conditional green card last year. So I take our anxiety and worries and extrapolate it,” she said.

Organizers don’t expect the need for this service to ease anytime soon. Bar-El said they plan to expand the effort to another church in Hollywood and are seeking more volunteers.

“I believe it’s my responsibility as someone who is one of the lucky ones and who does have resources and privilege to do what I can for my neighbors and for my city that I love that is so diverse and wonderful,” Harris said.