Millions face 'huge sticker shock' when ACA open enrollment starts Nov. 1
Update: 2025-10-31
Description
Open enrollment for health insurance on the Affordable Care Act marketplace is approaching, but a significant catch looms: millions of people could face much higher premiums due to the expiration of special insurance premium subsidies. Without a new agreement, premiums are set to double in 2026, potentially pushing more people towards cheaper plans with high deductibles. Health policy experts advise shoppers to make insurance choices based on the reality of potential subsidy loss, but to stay informed as a deal could change costs and plan options during open enrollment. Despite the uncertainty, having some form of coverage remains crucial, with high-deductible plans paired with direct primary care doctors being a good strategy for those who rarely see the doctor, while broader plans with lower deductibles may be worth the cost for those with chronic conditions.
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