Affordable Care Act enrollment drops by nearly 3 million as costs rise after subsidies expire

Enrollment in the Affordable Care Act (ACA) has seen a significant decline, with nearly 3 million fewer people signing up for coverage. This drop comes as premium costs surged at the beginning of 2026, following the expiration of COVID-era federal subsidies that had helped to keep costs down.

New federal data indicates a substantial decrease in ACA enrollments. The expiration of these subsidies, which were implemented during the pandemic, has directly contributed to the rise in premiums. This increase in cost is a major factor impacting individuals' ability to afford health insurance through the marketplace.

Dr. Céline Gounder, a medical correspondent for CBS News, offered her analysis on the implications of these enrollment drops and rising costs. The situation raises concerns about access to healthcare for millions of Americans who may now find themselves uninsured or underinsured due to the increased financial burden.

The expiration of subsidies and subsequent premium hikes could lead to a widening gap in healthcare access, potentially affecting public health outcomes and the financial stability of individuals and families.