ACA enrollment sinks sharply as coverage costs soar in 2026

TL;DR

22.8 million people have enrolled in ACA coverage for 2026, a decrease of 1.4 million from the previous year.
Nationally, enrollment is down by 3.5% compared to the same period last year.
The decline in enrollment is linked to the expiration of tax credits on December 31, which previously lowered monthly health plan costs.
Without extended tax credits, premiums could increase by an average of 114% for over 20 million Americans who received subsidies last year.
Experts estimate that 4 million people may lose their insurance if the credits are not extended.
The House of Representatives has approved legislation to preserve enhanced subsidies for three years, but its fate is uncertain in the Senate.
Some enrollees may transition to employer health plans or qualify for Medicaid, while others may go without insurance temporarily.

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