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!
Every year, I spend months painstakingly tracking every insurance carrier rate filing (nearly 400 for 2025!) for the following year to determine just how much average insurance policy premiums on the individual market are projected to increase or decrease.
Carriers tendency to jump in and out of the market, repeatedly revise their requests, and the confusing blizzard of actual filing forms sometimes make it next to impossible to find the specific data I need.
I really only need three pieces of information for each carrier:
9/29/25: Welcome Paul Krugman subscribers! I greatly appreciate the shoutout by him but should add the following clarification:
Regarding the chart below which he reposted comparing the original ACA subsidy scale to the current version: You probably think that if the enhanced subsidies expire it will revert back to the original version, which would be bad enough. In fact, however, the Trump Regime has also made THAT version even worse, like so:
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.
TRENTON — In a bulletin issued today, the New Jersey Department of Banking and Insurance issued guidance to insurance carriers on health insurance coverage for childhood immunizations.
The Department advises that, regardless of federal actions relating to the childhood immunization schedule, it expects carriers to provide coverage for childhood immunizations recommended by the New Jersey Department of Health, including for the hepatitis B vaccination series, in accordance with State law and without cost sharing or the imposition of additional barriers.
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.
For nearly a year now, I've been writing about the upcoming expiration of the enhanced ACA premium tax credits (eAPTC) which have been in place for the past five years. They're currently scheduled to expire at the end of December, less than 2 months from today.
Over the past few weeks as the various ACA exchange websites brought their 2026 ACA window shopping live, I've started plugging in different household scenarios to see what actual, real world price hikes look like.
Throughout all of these examples, however, two things have remained consistent:
In yesterday's write-up about CMS posting the first official, state-by-state data breakout for the ongoing 2026 ACA Open Enrollment Period, I noted several possible reasons why so far enrollment is running a solid 11% ahead of the same point a year ago even with widespread knowledge of the enhanced federal tax credits expiring just 25 days from now:
Total 2025 enrollment was 13.4% higher than total 2024 enrollment; assuming a similar rate of net attrition over the course of the year, there should be around 13% more current enrollees who can potentially actively renew/re-enroll for 2026 to begin with. As it happens, re-enrollment is currently up around 14% over the same point a year ago.
There's been a MASSIVE amount of attention given to the ACA, the exchanges, Open Enrollment, etc etc this year due to the panicky headlines about the impending subsidy expiration and of course the 43-day long federal government shutdown which focused primarily on...the ACA, the exchanges, Open Enrollment and the impending subsidy expiration.
The Centers for Medicare & Medicaid Services (CMS) reports that nearly 950,000 consumers who do not currently have health care coverage through plans in the individual market Marketplace have signed up for coverage in 2026, since the start of the Marketplace Open Enrollment Period (OEP) on November 1, 2025. Existing consumers are also returning to the Marketplace to actively renew their coverage, and anyone who does not actively renew will be automatically re-enrolled for 2026. Over 4.8 million existing consumers have already returned to the Marketplace to select a plan for 2026.
Definitions and details on the data in this report are included in the glossary.
As usual, I'll start out with the top line numbers, compared to the same point last year:
