The Affordable Care Act (ACA) marketplace is set to open for enrollment on November 1, but the average monthly premiums for 2026 plans are expected to more than double unless Congress extends subsidies that help cover those costs. The nonpartisan Congressional Budget Office estimates that if the subsidies expire, four million people will lose their coverage and become uninsured. This would have significant ripple effects throughout the community, including an increase in uncompensated care for healthcare providers, particularly in rural areas.
The uncertainty in the health insurance market is contributing to rising costs for consumers, with health insurance premiums increasing due to the uncertainty and financial assistance resources tied to income decreasing. The ongoing government shutdown is largely centered around the debate over extending ACA subsidies, with Democrats insisting that the subsidies must be extended in order to pass a bill to reopen the government.
In Illinois, the state is now running its own marketplace, which is a positive development. However, there are concerns about misinformation and disinformation surrounding the ACA marketplace, including allegations of waste, fraud, and abuse. Claudia Lennhoff, executive director of the Champaign County Health Care Consumers, notes that it is difficult for consumers to abuse the system due to rigorous income verification requirements.
Lennhoff also emphasizes that the issue of eliminating enhanced premium tax subsidies is not about undocumented immigrants, as they have never been eligible for these subsidies. Rather, it is about sound health policy, which would prioritize covering everyone. While enhanced premium tax subsidies were not extended through the budget bill signed into law in July, regular premium tax subsidies are still available.
Open enrollment for ACA plans will take place from November 1, 2025, through January 15, 2026. The Champaign County Health Care Consumers is hosting events to educate the public about the local impact of Marketplace changes and to provide information about the enrollment process. With the future of ACA subsidies uncertain, it is essential for individuals and families to understand their options and take advantage of the available resources to ensure they have access to affordable healthcare.