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Consumers are facing greater costs for their 2026 A.C.A. health coverage as Congress continues to debate whether to extend subsidies that help people afford their premiums.
Oct. 17, 2025, 3:34 p.m. ET
Health insurance prices for next year under the Affordable Care Act are now available in about a dozen states, giving Americans their first look at the sharp increases many will pay for coverage if Congress does not extend subsidies that have made some plans more affordable.
The annual enrollment period for Obamacare is expected to begin Nov. 1, but the costs for some Americans are becoming publicly available piecemeal through some state marketplaces. The federal website healthcare.gov, which includes 28 other state marketplaces, is slated to post prices before the end of October.
People shopping for coverage can now preview the costs they face from potentially expiring subsidies and sharply rising premiums in many markets, including California, New York, Nevada, Maryland and Idaho. Some consumers also found out that they would have fewer choices because their insurers dropped out of some markets for 2026.
Based on the newly posted information, a family of four making $130,000 in Maine would face an increase of $16,100 in annual premiums next year because they would no longer qualify for more generous subsidies, said Gideon Lukens, a health policy researcher for the Center on Budget and Policy Priorities, which supports extending the subsidies.
Older people will also see sharp increases, according to his calculations. In Kentucky, a 60-year-old couple making $85,000 per year could face an increase of $23,700 in annual premiums. In Nevada, a similar couple could pay an additional $18,100 in annual premiums, while in Minnesota, the cost might be $15,500 more and, in Maryland, an additional $13,700.
The government shutdown has already amplified the potential for higher health insurance costs for millions of Americans if the subsidies are not continued. Democrats have demanded that Republicans extend the more generous subsidies in any deal to reopen the federal government, which has been closed for 17 days over a spending impasse.
