ACA enrollment ends today in most states, as tax credit compromise stalls in Congress

As the enrollment deadline for Affordable Care Act health plans approaches in most states, the fate of tax subsidies designed to lower the cost of Obamacare insurance remains uncertain. Congress has been embroiled in a debate over extending the ACA premium tax credits, which expired on December 31. The fight over these subsidies led to the longest government shutdown in U.S. history.

The House recently passed a measure to extend the tax credits for three years, but the Republican-controlled Senate has been hesitant to support the extension. A bipartisan group of lawmakers is working on a compromise for a two-year extension, but progress has stalled. President Trump also announced a new health care proposal aimed at reducing insurance premiums and cutting kickbacks.

With the enrollment deadline approaching on January 15 for most states, some states have extended their deadlines to give residents more time to select a plan. States such as California, Connecticut, and New York have extended their deadlines to January 31. However, the potential increase in premiums for those who do not receive tax credits could deter many from enrolling in ACA plans.

Nonprofit health group KFF estimated that without Congressional action, premiums for Obamacare plans could more than double for the millions of Americans who previously received tax credits. This affordability crisis has led some individuals, like Florida resident Stacy Kanas, to drop their ACA coverage due to rising costs.

The Urban Institute reported a 22% increase in premiums for “silver” plans in 2026, compared to a projected 7% rise in employer-sponsored plans. Data from the Centers for Medicare and Medicaid Services showed a decrease in ACA enrollment compared to the previous year.

While there is technically no deadline for Congress to extend the ACA tax credits, experts suggest that a resolution could still happen after the enrollment deadline. If the credits are preserved, state and federal marketplaces would update their systems and extend open enrollment. However, any mid-year changes to the credits could complicate logistics and slow down the process.

In conclusion, the uncertainty surrounding the extension of ACA tax credits has left millions of Americans in limbo as they navigate the complex landscape of health insurance. It remains to be seen whether Congress will reach a resolution to provide relief to those facing rising premiums and limited options.