I'll be watching this closely over the coming months. So far, we're seeing a lot more exits than entries for 2027. That's not unexpected, given the regulatory changes that have resulted in an individual market risk pool that's smaller, sicker, and less stable.

Every year, some insurers leave the Marketplace and others join. For the last several years, there's been a solid mix of both. But so far, we're seeing a lot more exits than entries for 2027. We last saw that in 2017-18. Here's my overview: www.healthinsurance.org/blog/health-...

Prior Authorization: The Insurance Denial System Blocking Your Treatment #CareTalk live @mirandayaver.bsky.social explores w/ me @healthcarevoices.org @mswmedia.com & @louisenorris.bsky.social @healthinsuranceorg.bsky.social#CareTalkDiane-Just Care answer your health insurance q’s

Under legislation enacted last week, Mississippi joins Indiana in offering a tax credit to employers that provide their employees with ICHRA benefits: www.healthinsurance.org/glossary/ind...

Starting to see effectuated enrollment numbers from state-run Marketplaces, showing a trend toward lower effectuated enrollment. When all is said and done, 2026 Marketplace enrollment is going to drop by a lot more than the "only 1.2 million" that showed up at the end of open enrollment.

If you browse the health insurance and retirement forums on Reddit, you'll see A LOT of questions from people wondering what to do about health insurance if they retire before age 65. There are options! Here's my overview of what you need to know: www.healthinsurance.org/blog/your-gu...

In nearly every state, the percentage of Marketplace enrollees who picked Bronze plans increased for 2026. Last year, 30% of enrollees chose Bronze plans. This year it was 40%. Here's my overview of what this means for consumers, & why this shift happened: www.healthinsurance.org/blog/bronze-...

🚨🚨🚨 BINGO: CALLED IT, DAMMIT. "funding Cost Sharing Reduction payments" is exactly what would kill #SilverLoading. It would reduce *gross* premiums modestly but would result in ~300,000 more people losing coverage and dramatic premium hikes for millions more. www.axios.com/2026/03/30/g...

Now that all Bronze and Catastrophic Marketplace plans are HSA-qualified, a lot more people are eligible to contribute to an HSA. But you don't have to go with the HSA administrator your health plan recommends. healthinsurancecolorado.net/why-your-ins...

11 state-run Marketplaces have published detailed enrollment numbers, and 9 of them saw an increase in the percentage of enrollees picking Bronze plans for 2026. Here's my overview, including why the other 2 did not: www.healthinsurance.org/blog/bronze-...

If you're retiring before age 65, health insurance is one of the factors you'll need to consider. Here's my summary of what to keep in mind: www.healthinsurance.org/blog/your-gu...

As my colleague Andy Schneider explained there is a complex administrative process CMS has to follow to preemptively withhold or retrospectively disallow federal #Medicaid funding for a state like MN. It would be unlawful to just unilaterally halt federal funding: ccf.georgetown.edu/2026/01/16/c...

18 states already have reinsurance programs for their individual health insurance markets, & Oklahoma plans to join them in 2028: www.healthinsurance.org/glossary/rei... Reinsurance is more important now than it was for the last 5 years, since premium subsidies are no longer available >400% FPL.

There are currently 21 fully state-run health insurance exchanges, and nine of those have debuted since 2020. For next year, Oregon will join them, and Oklahoma the following year. Here's my overview: www.healthinsurance.org/faqs/what-ty...

There are currently 21 fully state-run health insurance exchanges, and nine of those have debuted since 2020. For next year, Oregon will join them, and Oklahoma the following year. Here's my overview: www.healthinsurance.org/faqs/what-ty...

For Marketplace health insurance enrollees with household income over 400% of FPL, the "subsidy cliff" has returned this year, because Congress didn't extend the subsidy enhancements that had been in place for the past five years. Here's my overview: www.healthinsurance.org/blog/marketp...

Open enrollment for 2026 individual/family health insurance has ended everywhere except DC. If you're in DC, you can still enroll, but today is the last day! www.healthinsurance.org/aca-marketpl...

Open enrollment for individual health insurance has ended nearly everywhere. But it continues through Feb. 4 in DC. And people eligible for Connecticut's new state-funded subsidies have a special enrollment period: www.healthinsurance.org/faqs/what-ar...

Citing fear of ICE, pregnant immigrants in Minnesota are -skipping prenatal care -requesting home births, even when not medically advised -going w/o adequate food Many are experiencing complications providers say can be stress-onset: diabetes, high blood pressure, and even water breaking early

Here's my detailed overview of what has happened to Marketplace enrollees' premiums in 2026, due to the expiration of federal subsidy enhancements at the end of 2025: www.healthinsurance.org/blog/how-sun...

So many inconsistencies and unworkable proposals.

@louisenorris.bsky.social, analyst at healthinsurance.org, spoke with @wsj.com regarding the significant increase in ACA plan premiums, and how for some families monthly premiums are now more than a mortgage payment. Read more at: www.msn.com/en-us/health...

Such an important article. Auto-renewed enrollees may not be willing or able to pay the (much higher) 2026 premiums. We won't have early 2026 effectuation numbers until this summer. And with 90-day grace periods, policies won't terminate until April. Drop offs are coming, but it will take time.

problems with the plan aside, it's… not a plan. it's a plan to maybe make a plan.

Great overview from @xpostfactoid.bsky.social on how to get your ACA-specific MAGI into the subsidy-eligible range if you're otherwise a little over the 400% of FPL "subsidy cliff" xpostfactoid.substack.com/p/gift-of-th...

Anytime there's a gun tragedy in the U.S., GOP lawmakers point to the need for better access to mental health care.

This is the year to keep paying attention. Definitely make sure you're enrolled, and tomorrow is the deadline for that in most states. But then stay tuned to see if anything changes at the federal level. We could still see some type of enhanced subsidies reinstated for 2026.

👀 RED vs. BLUE: Who's seeing the biggest #ACA coverage losses? www.patreon.com/posts/148169...

It was predicted that if the ACA marketplace premium subsidies ended then many would drop their coverage. Open Enrollment is still underway but 800,000 have already declined to sign up. In 11 states signups for ACA marketplace plans dropped by more than 10% open.substack.com/pub/siftinga...

Unless you're in Idaho, you still have until at least Jan. 15 to pick a health plan for 2026. Here's what you need to know as we approach that deadline, including details about how the "subsidy cliff" works: www.healthinsurance.org/blog/what-ca...

As a reminder, the Senate version would supposedly include:

UPDATE: As the House prepares for the *final* vote on a clean 3-yr extension, some potential big news on the Senate side. As I wrote about yesterday, additional Hyde language sounds like the biggest roadblock on the Senate version. x.com/sarahnferris...

In most states, the end of open enrollment for 2026 health insurance is next week, on Jan. 15. After that, you won't be able to get coverage or make a plan change without a qualifying event. Here's an overview of states with different deadlines: www.healthinsurance.org/faqs/what-ar...

There are 10 states where you can still sign up for health insurance with a January 1 effective date: www.healthinsurance.org/faqs/what-ar...

📣 IMPORTANT: "But How Many Have PAID???" Revisited: #ACA enrollment drop-off won't be fully known for months: acasignups.net/25/12/29/how...

There are 10 states where you can still sign up for health insurance with a January 1 effective date: www.healthinsurance.org/faqs/what-ar...

Wyoming, which has been projected to lose $115M in federal rural Medicaid funding in the next decade will receive $205M from the rural health fund for FY2026.

All of them have powerful lobbyists trying to convince policymakers that they’re not the problem, someone else is. They all say “oh if you got rid of me you only save 5-10% so you wouldn’t fix it.“ and usually those claims are true… physician salaries are <5%, insurer margins are regulated, etc.

The problem with universal health care in the US isn’t that it is impossible - it’s that there’s no one silver bullet that that would suddenly fix it. tons of powerful, moneyed interest - doctors, hospitals, insurers, pharma, and the universe of vendors supporting them

@xpostfactoid.bsky.social is awesome. Here's more details on how dramatic a difference Premium Alignment can make when it comes to #ACA coverage: charlesgaba.substack.com/p/there-will...

@georgetownccf.bsky.social is hiring! We are looking for a Research Fellow (JD or MA required) to work on a new project tracking the implementation of Medicaid work reporting requirements. This will be a two year position. Details available here: ccf.georgetown.edu/about-us/jobs/

Big eligibility shock for #ACA as pricing and enrollment rules for AI/AN individuals are v different

Open enrollment for Marketplace coverage is ongoing everywhere except Idaho. And there are 13 states where you can still get a January 1 effective date: www.healthinsurance.org/faqs/what-ar...

@louisenorris.bsky.social, health insurance analyst at healthinsurance.org, spoke with @jilliantaylor.bsky.social at StateImpactOK @npr.org, regarding what the latest House health care bill may mean for individuals and families nationwide:

A 40-year-old earning $40k in Little Rock can get a Bronze or Gold plan with significantly lower net premiums in 2026, even with the expiration of the federal subsidy enhancements: www.healthinsurance.org/aca-marketpl...

Arkansas started using premium alignment (Silver loading) for 2026, and has the largest Silver load (46%) that I've seen. This is good for consumers, because it makes subsidies larger.

I'm told that HHS has just terminated all funding agreements with the American Academy of Pediatrics. Here's a letter HHS sent canceling one of the grants, relating to work on birth defects. Canceled because the project "emphasizes equity, diversity, and inclusion as key foundational components"

Open enrollment ended on Monday in Idaho. Total enrollment was a little higher than last year, but state officials note that nearly 9k people cancelled their coverage and they expect another 20k to do so after the start of the year. www.healthinsurance.org/aca-marketpl...

Rep. Jim McGovern says 4 Republicans have signed the Democrats' discharge petition to extend ACA subsidies for 3 years. That vote could not happen until next year, so the Dems are trying a procedural move to get a vote today. Unclear how that will go. then there's still a filibuster block in Senate

Some GOP lawmakers in the Rules Committee are questioning why Dems are focusing on ACA Marketplace subsidies right now, instead of employer-sponsored insurance. Hint: ESI premiums are increasing by about 7% next year. Marketplace premiums are increasing by an average of 114%.