This is the best OEP ever for the ACA for several reasons:
The expanded/enhanced premium subsidies first introduced in 2021 via the American Rescue Plan, which make premiums more affordable for those who already qualified while expanding eligibility to millions who weren't previously eligible, are continuing through the end of 2025 via the Inflation Reduction Act;
A dozen states are either launching, continuing or expanding their own state-based subsidy programs to make ACA plans even more affordable for their enrollees;
100,000 or more DACA recipients are finally eligible to enroll in ACA exchange plans & receive financial assistance!
So, as expected, both the Senate Democrats bill to simply extend the enhanced ACA tax credits for 3 more years and the Senate Republican bill to make everything worse just failed to reach cloture (appropriately enough, they both received the exact same vote counts: 51-48).
Sen. Rand Paul voted against the GOP bill and 4 Republicans voting for the Democrat's bill, including Sen. Josh Hawley, Sen. Lisa Murkowski, Sen. Dan Sullivan & Sen. Susan Collins voting for it. I'm not sure who the missing vote in each was, not that it matters much now.
So, now what?
Well, the House may end up voting on one of their dozen or so bills they've been tossing around, but I wouldn't count on it, and even if one of them passes, it'd be almost certain to fail in the Senate.
With just 4 more days before the initial December 15th deadline to enroll for coverage starting in January, only a weeks' worth of legislative session days before the holiday break, and just 20 days before the enhanced subsidies actually expire on New Year's Eve, it's looking grim.
OK, I know I said I wasn't gonna do a deep dive into any more last-ditch GOP bills ahead of tomorrow's big Senate vote, but this one looks intriguing...but not just for the reasons you might think.
Earlier today, GOP Rep. Jen Kiggans & Democratic Rep. Josh Gottheimer introduced Yet Another short-term enhanced ACA tax credit extension bill...but this one has some very interesting twists.
The mounting support for the legislation, offered by Reps. Jen Kiggans (R-Va.) and Josh Gottheimer (D-N.J.), comes as House GOP moderates expressed frustration in a conference meeting Wednesday morning over their leadership’s proposals to address spiking health insurance premiums — without dealing with the expiring tax credits.
As I've noted before: While I include the passive/auto-renewal number for completeness sake, that number won't really be relevant until after the deadline for January 1st coverage passes (which is December 15th in most states, although not until 12/23 in MA & 12/31 in MD, NV, NJ, NM & RI).
More important for the moment is the total number of active enrollments, which includes both new enrollees as well as current enrollees who log into their account and actively select a plan for 2026.
In California, those come to 451,576 combined. This also means that only 22% of current enrollees had actively re-enrolled as of 12/06.
As of the same point last year (actually 1 day more; the data from last year is as of 12/07), Covered CA was reporting:
Denver, Colo. – The Dec. 15 deadline to enroll in health insurance for Jan. 1 is fast approaching, and Connect for Health Colorado, the state’s official health insurance marketplace, is encouraging people to shop and start their applications today to avoid a lapse in coverage.
“Dec. 15 is an important deadline; it’s the final day for Coloradans to enroll in health coverage that starts Jan. 1, and our team is ready to help customers stay covered,” said Kevin Patterson, chief executive officer of Connect for Health Colorado. “Staying covered is one of the most important things people can do for their physical and financial well-being. Gaps in coverage can leave Coloradans vulnerable to unexpected medical costs – but we’re here to help. We want to be sure people have the information and assistance they need to choose a plan that works for them.”
Amid tax credit uncertainty, many Washingtonians are still finding their health insurance for 2026 through Washington Healthplanfinder
OLYMPIA, Wash. – During the first month of open enrollment for 2026, more than 268,000 Washingtonians used Washington Healthplanfinder to shop, compare and sign up for health and dental insurance. Even though enhanced premium tax credits for next year may not be extended through Congress, many customers can still find plans with state and federal savings.
Open enrollment is currently underway for 2026, people who sign up by Dec. 15 will have coverage that starts on Jan. 1. Everyone who signs up between Dec. 16 and Jan. 15 will have plans that begin on Feb. 1. At wahealthplanfinder.org, Washingtonians can shop for themselves or find help from a trusted resource in their community. Premium savings may be available to help make monthly costs more affordable.
HARTFORD, Conn. (Dec. 8, 2025) — Access Health CT (AHCT), Connecticut’s official health insurance marketplace, today announced the deadline to enroll in health and dental coverage starting Jan. 1, 2026 is Dec. 15, 2025. Customers who enroll Dec. 16, 2025 through Jan. 15, 2026 will have coverage beginning Feb. 1, 2026.
The Open Enrollment Period for Connecticut residents to shop, compare and enroll in health insurance or renew their coverage began Nov. 1, 2025 and runs through Jan. 15, 2026. Customers may enroll in health and dental coverage.
Hot on the heels of Republican Senators Bill Cassidy of Louisiana & Mike Crapo of Idaho presenting their so-called "Health Care Freedom for Patients Act" which would do almost nothing to actually help ACA enrollees while causing more harm to transgender individuals (of course) and undocumented immigrants (of course), at least two more "The clock is ticking, we have to come up with SOMETHING!" bills have been rolled out today by Congressional Republicans.
Washington, DC -Today, Congressman Van Drew joined a bipartisan coalition of House members calling for a short-term extension of the Affordable Care Act's (ACA) tax credits with targeted modifications of the system. The group also sent a letter to House and Senate leadership asking for a meeting to discuss a clear path forward for health insurance.
Scoop: Senate GOP chairs circulate health plan as clock ticks on ACA subsidies
Two key Senate Republican chairmen are circulating the outline of a health care plan to Republican offices ahead of a crucial week that could decide the fate of enhanced Affordable Care Act subsidies, multiple sources tell Axios.
Why it matters: The plan from Finance Committee chair Mike Crapo (R-Idaho) and health committee chair Bill Cassidy (R-La.) does not extend the tax credits past their expiration at year's end, instead providing funds to enrollees in health savings accounts, according to a summary obtained by Axios.
It's not the only GOP plan that's been floated in recent days as Republicans struggle to unite around health care policies.
12/5/25: Update on Provider Network Information in Plan Comparison Tool
We are aware of several provider network inaccuracies in our Plan Comparison Tool. The inaccuracies are related to Anthem plans.
The network issues related to Anthem plans are limited to Northern Light providers. We expect the Anthem network to be corrected by December 16. In the interim, consumers may use Anthem's Provider Lookup Tool (external to CoverME.gov).
Oy...December 16th? That's the day after the initial Open Enrollment Deadline passes. Sheesh.
