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Most Obamacare enrollment closes leaving Americans with higher bills or less health insurance

Enrollment fell by roughly 200,000 as premium costs nearly doubled after federal COVID-era subsidies ended, leaving states' limited relief insufficient to offset increases.

  • On Thursday, open enrollment for most federally subsidized ACA marketplace plans ends, with new counts showing fewer Americans signing up after enhanced subsidies expired this year.
  • Enhanced pandemic-era tax credits expired at year-end, and the U.S. Congress remains divided after the House passed a three-year extension on January 8 but the Senate blocked it amid abortion/Hyde Amendment disputes.
  • Preliminary CMS data show 22.8 million enrolled for 2026, about 800,000 fewer than last year, while KFF found average premiums rising to $1,904 from $888 in 2025.
  • Some consumers report they can't afford coverage, and officials warn true termination rates won't be known until April, said Nicholas Riggs and Michele Eberle.
  • Health experts say the decline could grow in coming months, the Congressional Budget Office predicts 2 million more uninsured this year, and Pennsylvania’s $50 million pledge falls short of the $600 million in previous subsidies.
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wlrn.org broke the news in on Thursday, January 15, 2026.
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