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The ACA MarketplaceS

Tracking Insurer Changes in the ACA Marketplaces in 2027

As of June 22, six carriers have announced that they will exit the Marketplaces in plan year 2027, either in some or all states that they are currently offering plans; four carriers have announced they will enter new Marketplaces.

An image of text is an excerpt from Cynthia Cox's quick take which reads, "While the Trump administration attributes this drop in enrollment to their attempts to address fraud, this coverage loss happened at the same time millions of people faced steep increases in their premium payments — often in the double or even triple digits — with the expiration of enhanced tax credits."

ACA Marketplace Enrollment Is Down By 3 Million After Big Jump in Premium Payments

Enrollment dropped 13% following the expiration of enhanced premium tax credits at the beginning of this year. Enrollment fell from a high of 22.1 million people in 2025 to 19.2 million people in February 2026. While the Trump administration attributes this drop in enrollment to their attempts to address fraud, this coverage loss happened at the same time millions of people faced steep increases in their premium payments – often in the double or even triple digits – with the expiration of enhanced tax credits.

POLLING on the ACA

Tracking the Public’s Views on the ACA

While overall opinion of the Affordable Care Act has been more favorable than unfavorable since 2017, there remain deep partisan divides. See how public opinion on the ACA has changed from the inception of the law to the present. This interactive tool highlights key moments when views shifted and trends based on party identification, income, age, gender, and race/ethnicity.

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  • I received a Form 1095-B in the mail. What’s that?

    FAQs

    Health insurance companies, certain employer-sponsored health plans, and public health programs such as Medicaid may provide you with documentation indicating the months during the prior year when you were covered under the plan. Coverage providers may send Form 1095-B directly to you, but in some cases, you may have to request a Form 1095-B from the coverage provider. If you were enrolled in family coverage, Form 1095-B will indicate the names of all family members who were…

  • What happens if I don’t update my application for financial assistance?

    FAQs

    If you don't update your information with the Marketplace, in most cases, the Marketplace will automatically adjust the amount of your premium tax credit for next year. If that turns out to be less than the amount you’re actually eligible for, you will have to pay more premium each month than you otherwise would have had to, although you can receive a refund for the rest when you file your federal tax return. On the…

  • I signed up for Marketplace coverage last year and I want to keep this plan for another year. Do I have to do anything during Open Enrollment?

    FAQs

    You may automatically be re-enrolled in your plan, but even if you like your current plan, it is strongly advised that you take steps to actively renew it during Open Enrollment. If you receive a premium tax credit, when you actively renew you can also update your income and family information and see how much tax credit you may be eligible for based on the new premiums for the coming year. Even if your circumstances…

  • What happens if I get care from a doctor who isn’t in my plan’s network?

    FAQs

    In general, plans are not required to cover care received from an out-of-network (OON) provider. For example, if you choose to visit a primary care doctor that is not in your plan’s provider network, your insurer might not pay any of the bill, or if they do, you might have much higher cost-sharing than if you had chosen to see an in-network provider. In these situations, the health care provider or facility might send you…

  • The insurance my employer offers is not affordable, so I enrolled in a Marketplace policy with premium tax credits. However, I later got a part-time job and now my annual income will be higher than I or...

    FAQs

    First, you should report your income change to the Marketplace as soon as possible. The Marketplace will determine your new eligibility for premium tax credits based on your higher income and adjust the amount of tax credits going forward. If you make this adjustment promptly, it’s likely you won’t receive any more advanced premium tax credit during the entire year than you’re eligible for based on your annual income. As for the new “affordability” of…

  • My 24-year-old daughter is eligible for premium tax credits and a cost-sharing reduction. We are not eligible for any financial assistance, but we would all like to enroll in the same Marketplace plan....

    FAQs

    You do not need to claim your daughter as a tax dependent to be covered on your Marketplace health plan; however, since you do not claim her as a tax dependent, she will likely have to submit a separate application, and she likely will not be able to apply her premium tax credits to your shared plan. Additionally, because you do not qualify for cost-sharing subsidies, she will not be able to apply hers to…

  • What happens if I’m late with a monthly health insurance premium payment?

    FAQs

    It depends on whether you are receiving advanced premium tax credits. If you receive a premium tax credit, your insurer must provide a 90-day grace period to pay all past-due premiums. If the amount owed for all outstanding premium payments is not paid in full by the end of the grace period, the insurer can terminate coverage. However, the grace period only applies if you have paid at least one month’s premium within the current…

  • My child goes to college in another state, but we want him on our Marketplace family plan. Can we do that?

    FAQs

    Yes. Your child can join your Marketplace family plan, even if they live out of state. However, your child may need to return home to access care within your plan’s provider network. If they get health care services in another state, the provider may be outside your plan’s network, and you may have to pay higher cost sharing for non-emergency services. Your child may be eligible to buy coverage in the state where they attend…

  • Where can I get help with my Marketplace application?

    FAQs

    All Marketplaces are required to offer "Navigator" programs to help consumers review their plan choices, complete their application, or apply for financial assistance. Navigators can also assist consumers applying for Medicaid or CHIP. Additionally, Navigators can help consumers with post-enrollment support, such as appealing Marketplace decisions. Navigators are paid by the Marketplace, not by health plans, and they must complete Marketplace training and be free from conflicts of interest. You may also be able to…