"According to figures from the Centers for Medicare and Medicaid Services (CMS), 22.8 million people have signed up for ACA coverage for 2026 since open enrollment started on Nov. 1. About 1.4 million fewer people enrolled in Obamacare, as such plans are known, than in 2025. Nationally, around 800,000 fewer people have selected plans compared to a similar time last year, marking a 3.5% drop in total enrollment so far."
"The drop in enrollment comes as many ACA participants face sharply higher monthly premiums because of a December 31 lapse in tax credits that lowered households' monthly health plan costs. After months of debate and a 6-week government shutdown, Congress has yet to extend the credits or settle on another remedy. The House last week approved legislation that could preserve the enhanced subsidies for another three years. The fate of the bill is now in the hands of the Republican-controlled Senate."
Enrollment in Affordable Care Act plans for 2026 stands at 22.8 million, about 1.4 million fewer than in 2025. National enrollment is down roughly 800,000, a 3.5% decline combining fewer new sign-ups and lower renewals. Open enrollment in most states for February coverage ends Jan. 15. The decline coincides with a December 31 lapse in enhanced premium tax credits that had lowered household monthly costs. KFF estimates affected households could see average premiums rise about 114%, from $888 in 2025 to $1,904 in 2026 without credits. The Congressional Budget Office projects about 4 million people could lose coverage without an extension. The House approved a bill to extend subsidies, which now awaits Senate action.
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