- Insurers proposed a median increase of about 15%
- The finalized average benchmark Silver increase is 13%
- Subsidies are tied to the benchmark plan, so subsidized enrollees are partly shielded
- Caps on repaying excess premium tax credits are gone starting with the 2026 tax year. Enrollees first see the effect on tax bills in early 2027, after choosing 2027 plans. Reporting income changes to the Marketplace during the year lowers the risk of a large repayment.
- HHS cancelled about 760,000 enrollments in September 2026 as likely phantom enrollments; some were later reinstated
- New agent and broker registrations are paused until February 2027
- CBO projects 13.1 million enrollees in 2027, down from 22.4 million in 2025
- New Mexico keeps replacing lost federal aid in 2027; California expands state subsidies to 165% to 200% FPL
- Rhode Island and Virginia create new state subsidies for 2027
- People denied Medicaid only for not meeting work requirements can't get premium tax credits
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