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The ACA Marketplace Open Enrollment season began November 1, bringing higher premiums, fewer insurer options in some states as more insurers exit the market, less access to health insurance subsidies, and less help finding coverage following federal actions to address broker fraud—among other changes to watch.
The expiration of the ACA’s enhanced premium tax credits at the start of 2026, combined with rising insurer premiums, put a spotlight on health care affordability that extends beyond Marketplace enrollees. KFF’s Cynthia Cox examines the ACA’s record and the broader underlying question it raises: what’s a fair price for Americans people to pay for health care?
