Eroding ACA enrollment portends higher insurance rates
Summary
Enrollment in the Affordable Care Act (ACA) health insurance is decreasing because many people cannot afford the rising monthly payments. As fewer people sign up or pay premiums, insurance companies may raise prices again next year, making coverage more expensive.Key Facts
- ACA enrollment dropped by about 1.2 million people in January compared to the previous year.
- Premiums for ACA plans increased by an average of 26% this year.
- Financial help from subsidies to lower premiums was reduced or ended for many buyers.
- Around 21% of people using the federal ACA marketplace did not pay their January premiums.
- States running their own ACA marketplaces had higher payment rates than those using the federal system.
- Georgia showed a 28% drop in premium payments in April compared to last year.
- The average deductible for ACA plans rose 37%, adding over $1,000 in out-of-pocket costs for 2026.
- Experts predict ACA enrollment in 2026 could be 17% to 26% lower than last year.
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