Open Enrollment for ACA Health Plans Begins Amid Changes and Challenges

The open enrollment period for Affordable Care Act (ACA) health insurance plans starts on November 1, 2026, bringing notable changes for consumers. This year, shoppers can expect premium increases, additional identity verification requirements, and new limits on subsidy eligibility for certain immigrant groups.

As enrollment begins, many states have already initiated 'window shopping' for premium rates, with Idaho, Connecticut, and Massachusetts starting earlier. Experts anticipate a continued decline in overall enrollment, largely due to the expiration of enhanced subsidies at the end of 2025, which has already led millions to lose coverage.

The Centers for Medicare & Medicaid Services (CMS) has implemented stricter identity verification processes for consumers using agents or brokers in the federal marketplace, which covers 29 states. These new rules require consumers to obtain a one-time confirmation code to authorize agents, potentially slowing the enrollment process. Joshua Brooker, an insurance agency overseer, noted that the increased scrutiny targets high-risk applicants, including first-time enrollees and those changing states or agents.

CMS has also placed a moratorium on new brokers entering the ACA market, which has raised concerns among smaller agencies about their ability to assist clients during the enrollment period. The National Association of Benefits and Insurance Professionals has filed a lawsuit against the Trump administration, arguing that the moratorium unfairly impacts thousands of agents.

While most individuals will still receive subsidies for their ACA coverage, the amounts will be less generous than in previous years. The average premium increase is projected to be around 15%, slightly lower than last year's significant rise. Experts advise consumers to actively compare plans and not to rely on automatic renewals, as changes in premiums and coverage can vary significantly from year to year.

Additionally, the One Big Beautiful Bill Act has restricted subsidy eligibility for many lawfully present immigrants, affecting groups such as H-1B visa holders and refugees, while still allowing some immigrants to qualify for assistance. As the enrollment period approaches, experts emphasize the importance of early planning and outreach to agents to navigate the new landscape effectively.