ACA enrollment ends today in most states, as tax credit compromise stalls in Congress

January 15, 2026 / 5:30 PM EST / CBS News

ACA enrollment ends today in most states, as tax credit compromise stalls in Congress

TL;DR

  • The deadline for enrolling in ACA health plans is January 15 in most states, with 10 states offering extended enrollment periods.
  • Congress is debating the extension of enhanced ACA premium tax credits, which expired on December 31 and could cause premiums to more than double for millions.
  • The House passed a three-year extension of the tax credits, but its passage in the Senate is uncertain.
  • A bipartisan compromise for a two-year extension is stalled, and President Trump announced a separate healthcare proposal.
  • Some individuals, like Stacy Kanas from Florida, are dropping ACA coverage due to increased costs.
  • ACA 'silver' plan premiums have risen significantly, outpacing employer-sponsored plan increases.
  • Enrollment in ACA marketplace plans has decreased compared to the previous year.
  • Experts note that Congress can retroactively extend ACA tax credits even after the enrollment deadline has passed.