**Changes to Affordable Care Act (ACA) Plans and Premiums** As of 2026, millions of Americans are expected to lose their ACA plans due to rising premium costs.
**Changes to Affordable Care Act (ACA) Plans and Premiums**
As of 2026, millions of Americans are expected to lose their ACA plans due to rising premium costs. This change affects approximately 1.4 million fewer individuals who have enrolled in ACA health insurance plans.
- Average increase in premiums: 114% for those remaining in the ACA system
- Projected average increase in premiums: 26% among health insurers participating in the ACA marketplace
- Alternative plans available, but often expensive or lacking adequate coverage
The Centers for Medicare & Medicaid Services (CMS) reports that enrollment in ACA marketplace coverage decreased to 22.8 million in 2026, down from a record 24.2 million in 2025.
This downward trend is attributed to the expiration of federal subsidies that help offset monthly premium costs. In 2025, an estimated 22 million people used these subsidies to lower their health insurance premiums.
As a result, individuals who enroll in ACA plans will face significantly higher costs for medical expenses. It's essential to explore alternative options and understand the changes affecting your healthcare coverage.
What You Need to Know About Rising Costs to ACA Premiums
With the expiration of federal subsidies, those remaining in the ACA system can expect to pay an average of 114% more in health insurance premiums. It's estimated that nearly 5 million people may decide to forgo health insurance this year due to the increased costs.
We recommend exploring alternative plans and discussing your options with our healthcare experts. Our team is here to help you navigate these changes and find a plan that suits your needs and budget.
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