Sticker Shock: ACA Plans Nearly Double in Price

Affordable Care Act (ACA) enrollees are experiencing significant premium increases for 2026 coverage, with many seeing their monthly costs nearly double. Jessica Chamberlain, a single mother from Illinois, was shocked to find her premiums rising from $59.67 to nearly $100 per month, forcing her to go without insurance. She expressed concern about affording her diabetes medication.

This trend is reflected in a new KFF survey, which found that nearly one in ten Marketplace enrollees dropped their coverage. The end of enhanced premium tax credits, which previously lowered costs for millions, is a significant contributor to this surge. A KFF survey indicated that 51% of returning enrollees reported significantly higher healthcare costs, with four in ten specifically noting a substantial increase in premiums.

Costs are a primary driver for these decisions. Holly Weir from Ohio, who paid $30 monthly last year, now faces a $177 premium. She has applied for Medicaid and is awaiting approval. Many who retained ACA coverage are also struggling, with 55% needing to cut back on basic expenses like food to afford their healthcare.

Beyond those losing coverage, 22% of respondents obtained insurance through employers, Medicare, Medicaid, or other non-Marketplace plans. Chamberlain noted her children qualify for Medicaid, but her income prevents her own eligibility. The situation is described as devastating for individuals with pre-existing conditions and particularly challenging for single mothers.