Deadline tonight: Enroll now for ACA health insurance or risk going uninsured
With pandemic-era tax credits expiring, premiums have more than doubled on average, forcing many to downgrade plans or risk going uninsured, independent health policy group KFF said.
- Dec 15, 2025 is the deadline to enroll for Affordable Care Act marketplace plans that start Jan. 1, affecting millions of enrollees.
- Lawmakers are at an impasse over extending pandemic-era ACA tax credits before the end of the year, while House Speaker Mike Johnson's plan does not extend those subsidies and includes PBM reforms.
- Missing the Monday deadline allows enrollment until January 15th, but KFF finds 1 in 3 people expect to downgrade or go without coverage.
- Some consumers face higher premiums, and Karen Davenport urged, `For consumers who have already enrolled, or who intend to enroll by Monday, they need to kind of block out the chaos.` Health experts advise undecided consumers to sign up before Dec 15, 2025, as plans can be canceled later.
- Independent research including KFF shows premiums have more than doubled without pandemic-era tax credits, and experts say this doubling predicts enrollment declines as subsidies lapse.
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22 Million ACA Enrollees Face 114% Average Premium Increase
As millions in the U.S. face higher health insurance premiums, some may become uninsured or turn to short-term plans with inadequate coverage. Learn more.
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