ACA Premiums Could Double Without Action
ACA Marketplace Premium Increases 2026 — Why They Matter
The ACA Marketplace Premium Increases 2026 are shaping up to be one of the most significant cost shifts in Affordable Care Act history. Without congressional action to extend current subsidies, ACA marketplace premiums could more than double next year. According to Scripps News and the Associated Press, these Affordable Care Act premium increases are driven by the scheduled expiration of enhanced premium tax credits that have kept plans affordable since 2021.
If Congress doesn’t act before the end of 2025, the ACA Marketplace Premium Increases 2026 could raise average costs for subsidized enrollees by 114%. That’s a massive jump for millions of Americans who rely on ACA marketplace health insurance coverage.
What’s Causing the ACA Marketplace Premium Increases 2026
Experts point to several factors behind the upcoming Affordable Care Act premium increases:
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The expiration of enhanced federal subsidies under the American Rescue Plan and Inflation Reduction Act.
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Rising base premiums from insurers, estimated at roughly 26% for 2026.
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Shifts in enrollee demographics if higher costs drive younger, healthier consumers out of the marketplace.
Together, these trends create a perfect storm that could push ACA marketplace premiums to record highs.
How the ACA Marketplace Premium Increases 2026 Affect Consumers
Consumers will feel the impact of ACA Marketplace Premium Increases 2026 most acutely if the subsidies end. Lower- and middle-income families who currently benefit from reduced monthly costs could see their premiums double. Some higher-income individuals might also lose eligibility for premium tax credits altogether.
These Affordable Care Act premium increases could also ripple through the healthcare system—leading to more uninsured individuals, higher medical debt, and a heavier burden on hospitals and state programs.
How TLDCRM Helps Agencies Navigate ACA Marketplace Changes
At TLDCRM (Total Lead Domination), we know how fast the ACA marketplace can shift—and how important it is for health insurance agencies to stay organized and proactive.
As ACA Marketplace Premium Increases 2026 approach, TLDCRM gives your agency the power to:
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Track every ACA lead and enrollment through an intuitive CRM.
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Automate client follow-ups during ACA open enrollment periods.
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Integrate directly with tools like TLDialer for faster outreach.
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Use analytics to anticipate Affordable Care Act premium increases and adjust marketing strategies.
TLDCRM keeps your operations compliant, your teams aligned, and your clients informed—so you can focus on growing your business while supporting consumers through the ACA Marketplace Premium Increases 2026.
The Bottom Line
The ACA Marketplace Premium Increases 2026 are not just a policy issue—they’re a market event that will shape the future of health insurance affordability.
If Congress doesn’t renew subsidies, millions could see their costs rise by more than 100%. For brokers and agencies, this is the time to double down on automation, communication, and client retention.
TLDCRM is here to help you navigate the ACA marketplace changes and maintain stability through 2026 and beyond.