Millions of Americans May Lose Their ACA Plans. What Are the Alternatives?

We're here to help you navigate the changes to Affordable Care Act (ACA) plans and find alternative options for your healthcare needs. With rising premium costs, millions of Americans are expected to lose their ACA plans in 2026.

Key statistics:

1.4 million fewer Americans have enrolled in ACA health insurance plans due to the expiration of federal subsidies that help offset monthly premium costs.
Premiums for those who enroll in Obamacare programs will increase by an average of 114%.
Alternative plans are available, but experts warn they may be expensive or lacking in coverage.

The Centers for Medicare & Medicaid Services (CMS) has reported a decline in ACA enrollment numbers. In 2026, approximately 22.8 million people enrolled in ACA marketplace coverage, down from a record 24.2 million in 2025 – a decrease of about 1.4 million individuals.

The main reason for this downward trend is the increase in premium costs. In 2025, an estimated 22 million people used federal subsidies to lower their health insurance premiums. However, these subsidies are no longer available in 2026 due to Congressional inaction.

We understand that rising costs can be challenging. If you're struggling to afford ACA premiums or seeking alternative options, our team is here to guide you through the process and help you find a plan that suits your needs and budget.

What does this mean for my healthcare expenses?

With the average premium increase of 114% due to the lack of subsidies, many individuals will face significant financial burdens. Our team is committed to helping you explore alternative options and ensuring you receive the necessary care without breaking the bank.

Alternative plans available

We can help you research and compare alternative health insurance plans that may better suit your budget and needs. While these plans may not offer the same level of coverage as ACA plans, they can provide essential protection against unexpected medical expenses.

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