Overview
- Most states ended sign-ups on Jan. 15, while 10 states and Washington, D.C., extended enrollment into late January, including California, Connecticut, Illinois, Massachusetts, New Jersey, New York, Pennsylvania, Rhode Island, and Virginia.
- CMS reported 22.8 million marketplace enrollees as of Jan. 12, down about 1.4 million from a year earlier, with new consumer sign-ups off roughly 12%.
- With the enhanced credits gone, average out-of-pocket premiums are more than double what they would have been if extended, according to KFF, prompting widespread plan downgrades to higher-deductible bronze options or coverage drop-offs.
- The House approved a three-year extension of the enhanced subsidies, but the Republican-led Senate blocked similar measures as bipartisan talks on a two-year compromise stalled; President Trump announced a separate proposal aimed at lowering premiums.
- Policy experts note the credits could still be restored retroactive to Jan. 1, though exchanges would need to update systems and likely reopen enrollment to implement any relief.