ACA Marketplace Enrollment Deadlines and 2026 Premium Tax Credit Outlook

The deadline for enrolling in 2026 health care plans through the ACA Marketplace is January 15, 2026, with December 15 marking the cutoff to guarantee coverage from January 1. Enhanced premium tax credits that currently help over 20 million Americans afford health insurance may expire at the end of the year if Congress does not act, potentially resulting in significantly higher premiums for 2026. Individuals and families within specified income limits may still qualify for some tax credits, but the level of assistance will decrease considerably without legislative extension. Despite uncertainty around premium tax credits, the ACA Marketplace remains a critical option for enrolling in health plans that provide free preventive care and lower out-of-pocket costs. Consumers should be aware of possible premium increases and carefully review coverage options for 2026 to ensure they select plans that meet their needs in a changing market environment. Monitoring legislative developments related to premium tax credits will be important for insurers, brokers, and consumers alike as the 2026 coverage year approaches.