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ACA Open Enrollment: New Rules, Higher Costs Ahead
26 Oct
Summary
- New identity verification rules may slow enrollment for some consumers.
- Broker eligibility rules could lead to fewer agents assisting enrollments.
- Enhanced subsidies expire, impacting affordability for many enrollees.
Open enrollment for 2027 Affordable Care Act (ACA) health insurance begins November 1st in most states, with some starting earlier. Consumers will encounter changes including potential premium increases and stricter identity verification processes, particularly when using agents or brokers.
These new rules are designed to curb fraud. Individuals deemed "high-risk," such as first-time applicants or those changing states or agents, will face enhanced identity proofing. A moratorium on new brokers also means fewer agents may be available to assist during the enrollment period.
The expiration of enhanced ACA subsidies at the end of 2025 is a major factor, leading to expected declines in overall enrollment and increased costs for many individuals. Premium increases, projected around 15% for the upcoming year, further impact affordability.
Eligibility for subsidies is also changing, with new limitations for certain lawfully present immigrants. This, coupled with rising out-of-pocket maximums for 2027, means careful plan comparison is crucial for consumers.
