Major Changes Loom for ACA Health Insurance in 2026

The upcoming changes to health insurance in 2026, especially for those covered through the Affordable Care Act (ACA), could significantly impact many individuals. Key modifications include a shorter open enrollment period and the potential expiration of enhanced financial subsidies that have allowed many people to obtain coverage at lower costs. The proposed rule by the Trump administration suggests ending these generous subsidies that were initially part of pandemic relief, which could lead to substantial premium increases for enrollees and potentially leave millions without coverage.

Currently, the open enrollment period is set to start on November 1 and end on December 15, shortened from the previous timeline that allowed enrollment until mid-January. This change may hinder some individuals' abilities to adjust their health plans in response to increased costs. Moreover, the proposed rule intends to remove certain eligibility exceptions for year-round enrollment, which were created to help low-income individuals gain access to coverage outside of open enrollment periods.

Public comments regarding the new rule can be submitted until April 11, and stakeholders express concern over the reduced funding for navigators, who assist people in selecting appropriate health plans. With these adjustments, many individuals are encouraged to review their eligibility and options before the upcoming enrollment period, as the landscape of health coverage is set to change dramatically.