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What to Know About the Affordable Care Act Open Enrollment Period Now Underway

KFF says average marketplace premiums will rise 13% in 2027 as expiring subsidies and tighter eligibility rules reduce financial help.

  • The Affordable Care Act open enrollment period began on Sunday across most states, running through January 15, 2027, with enrollees facing higher coverage costs and fewer plan options.
  • KFF analysts predict insurance premiums will rise by an average of 13% in 2027, driven by rising medical costs and hospital market concentration. The expiration of pandemic-era subsidies compounds affordability pressures.
  • The Republican administration removed 760,000 enrollees from exchanges, alleging fraudulent enrollment. Vice President JD Vance claimed this crackdown will generate $2.2 billion in cost savings.
  • New 2027 regulations limiting tax credits for certain lawfully present immigrants could result in an additional 1 million uninsured individuals. Stricter eligibility checks and reduced federal support are expected to shrink overall enrollment.
  • Consumers may struggle to afford coverage into next year as financial assistance expires. Cox noted that many enrollees have already shifted to cheaper bronze plans, and "I think there's going to be fewer people enrolled in this market.
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What to know about the Affordable Care Act open enrollment period now underway

People heading into the Affordable Care Act open enrollment period with plans to sign up for insurance should expect a variety of changes in 2027.

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Five changes to know as Affordable Care Act open enrollment begins

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WBAL broke the news in Baltimore, United States on Sunday, November 1, 2026.
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