ACA open enrollment begins with the biggest premium increases since 2018

The 2026 ACA Marketplace open enrollment period began November 1, 2025, with finalized premiums reflecting the largest average increases since 2018 after CMS completed its rate review. Enrollees without enhanced subsidies faced average premium increases well above 18% in many states. The Medicare Rights Center and KFF warned that millions of consumers who had relied on enhanced subsidies since 2021 would face sticker shock or be forced to drop coverage.