Health insurance under the Affordable Care Act marketplaces opened Saturday, with costs expected to significantly rise for many.The ACA has been at the core of the government shutdown, which is entering its second month, with expanded tax credits set to expire at the end of the year.In budget negotiations, Democrats were aiming to extend the expanded subsidies, set to expire at the end of 2025, while Republicans have emphasized reopening the government before beginning health care talks.Insurers are charging an average of 26% more in 2026, according to an analysis from KFF. HealthCare.gov opened its 2026 pricing last Tuesday for enrollees ahead of open enrollment.If tax credits expire, the average premium would more than double at an estimated 114% increase, according to KFF.Enrollment under ACA marketplace plans has doubled since the passage of the American Rescue Plan Act in 2021, which first expanded tax credits. Many enrollees also live in states that President Donald Trump won in 2024.Use the Get the Facts Data Team’s tool to see how maximum out-of-pocket rates may change for benchmark plans across different income and family sizes. For people in most states, health care under the ACA can be purchased from the federal marketplace. The remaining have a state-based marketplace in which open enrollment can begin at different times. The last day enrollees have to enroll in coverage beginning Jan. 1 is Dec. 15, and open enrollment officially ends Jan. 15.
Health insurance under the Affordable Care Act marketplaces opened Saturday, with costs expected to significantly rise for many.
The ACA has been at the core of the government shutdown, which is entering its second month, with expanded tax credits set to expire at the end of the year.
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In budget negotiations, Democrats were aiming to extend the expanded subsidies, set to expire at the end of 2025, while Republicans have emphasized reopening the government before beginning health care talks.
Insurers are charging an average of 26% more in 2026, according to an analysis from KFF. HealthCare.gov opened its 2026 pricing last Tuesday for enrollees ahead of open enrollment.
If tax credits expire, the average premium would more than double at an estimated 114% increase, according to KFF.
Enrollment under ACA marketplace plans has doubled since the passage of the American Rescue Plan Act in 2021, which first expanded tax credits. Many enrollees also live in states that President Donald Trump won in 2024.
Use the Get the Facts Data Team’s tool to see how maximum out-of-pocket rates may change for benchmark plans across different income and family sizes.
For people in most states, health care under the ACA can be purchased from the federal marketplace. The remaining have a state-based marketplace in which open enrollment can begin at different times.
The last day enrollees have to enroll in coverage beginning Jan. 1 is Dec. 15, and open enrollment officially ends Jan. 15.
