Despite shifting subsidies and rising premiums, 22.8 million enrollments show that consumers are still engaging, and that professional guidance matters more than ever.
As enhanced Affordable Care Act (ACA) subsidies expired at the end of 2025, headlines warned of coverage losses, premium spikes, and a marketplace on shaky ground. Much of the public conversation focused on what consumers stood to lose.
The 2026 open enrollment data tells a more grounded story.
