Open enrollment for 2026 coverage under the ACA begins November 1, and potential shoppers are being warned of significantly higher costs ahead. Preliminary analysis by the Kaiser Family Foundation (KFF) shows that benchmark premiums on the federal exchange could rise by around 30 % on average—while in states that run their own exchanges, increases of around 17 % are projected.
At the heart of the cost spike is uncertainty and the scheduled expiration of the enhanced premium tax credits that were first added during the pandemic era. These credits had greatly reduced out-of-pocket premiums for millions of enrollees, and their potential end means many consumers may face double-digit jumps in costs, including some increases of more than 100 % unless Congress acts to extend the subsidies.
The combination of soaring premiums and fading federal assistance has raised concerns that many people — particularly middle-income households and those with chronic health needs — could drop coverage. Analysts warn that a shrinking, sicker enrollee pool could further drive-up rates in future years. Advocates say this moment could mark a rollback of the affordability gains achieved under the ACA unless immediate policy action intervenes.
