FINAL DAY OF OPEN ENROLLMENT ON COVERME.GOV FOR 2026 COVERAGE
The following information was released by the
Today is the final day of Open Enrollment for 2026 health insurance coverage through
Based on the most recent data available from
Preliminary Enrollment Trends
According to the Department's most recent data, 74 percent of enrolled
Among those receiving APTC:
Average premium paid:
Average APTC amount:
The higher average subsidy amount likely reflects higher underlying premiums and changes in the income distribution of enrolled consumers.
Early data indicate that enrollment behavior in 2026 is shaped by affordability pressures following the expiration of the Federal Enhanced Premium Tax Credits (EPTCs). More than 8,000 consumers who were previously covered through CoverME.gov have cancelled their coverage since the start of Open Enrollment due, with approximately 33 percent of cancellations pointing to affordability as their cancellation reason. Over 3,000 consumers who have cancelled coverage previously qualified for tax credits in 2025 but no longer qualify, mostly due to federal eligibility changes.
While more than 7,000 new consumers have enrolled, new enrollments in CoverME.gov are down approximately 24 percent compared to this time last year. New enrollments are at the lowest level at this point in Open Enrollment since
At the same time, more consumers are selecting plans with higher deductibles. Enrollment in bronze plans has increased by more than 10 percentage points and now represents nearly 60 percent of all plan selections.
The full enrollment impact of the loss of enhanced subsidies is unlikely to be realized until after the first quarter of 2026 or later.
Consumers who are enrolled in coverage with premium tax credits and have paid the premium for at least a month have a three-month non-payment grace period, which begins the first month of nonpayment, before insurance carriers can terminate coverage for non-payment. Many consumers are currently maintaining coverage but may ultimately not be able to sustain higher premiums over time, particularly if faced with unexpected expenses (e.g., housing, vehicle repairs, or medical bills). Further declines in enrollment and further coverage losses are likely to emerge once the grace period concludes.


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