Overview
- Marketplace sign-ups for 2026 run Nov. 1 through Jan. 15, with a Dec. 15 cutoff to start coverage on Jan. 1.
- KFF projects a 26% average increase in benchmark silver premiums, and estimates average out-of-pocket payments would jump about 114% without the enhanced credits.
- The Congressional Budget Office estimates roughly 2.2 million people could lose coverage next year if the enhanced subsidies lapse.
- State filings show steep approved increases in some markets, including Missouri where Cox Health Plans will average +30.4% and one Medica plan change reaches 110%, while Kentucky officials warn of large consumer cost spikes.
- The shutdown fight over extending the credits remains unresolved as Democrats press to tie an extension to reopening the government and Republicans insist on reopening first, prompting advisers to urge active shopping and caution for those most exposed such as older enrollees, higher-income households above 400% of the FPL, and rural residents.