How the Shutdown Impacts Open Enrollment 2025
Navigating Open Enrollment During the Government Shutdown
As the 2025 Open Enrollment Period (OEP) approaches, the federal government shutdown has raised new questions for insurance agents, brokers, and agencies across the country. While enrollment will move forward as scheduled, the situation adds uncertainty around subsidies, premiums, and consumer expectations.
This post breaks down the current landscape, highlights what to watch for, and explains how TLDCRM is helping agencies stay informed and supported throughout the enrollment season.
What the Shutdown Means for Open Enrollment
Open Enrollment Continues as Planned.
According to Newsweek, ACA marketplace operations will remain open because they’re funded by insurer user fees, not direct federal appropriations. That means Open Enrollment will not be delayed.
Similarly, Medicare Advantage enrollment, which begins October 15, will continue unaffected. CMS systems and the Medicare Plan Finder remain operational, although small updates may be postponed.
Subsidy Uncertainty Could Affect Affordability
The real concern centers on enhanced premium tax credits (PTCs)—temporary subsidy expansions created during COVID and extended through 2025 under the Inflation Reduction Act.
As NPR reports, these enhanced subsidies are now at risk if Congress fails to act. Without them:
- Many clients could lose eligibility for financial assistance.
- Premiums could double for middle-income consumers.
- Coverage loss could affect up to 4 million people, per CBO projections.
Even if enrollment platforms stay live, what consumers see on-screen may look dramatically different if subsidies expire before they enroll.
How This Affects Insurance Agents and Brokers
- Clients May Experience Sticker Shock – If subsidy extensions lapse or premiums increase mid-enrollment, clients could hesitate to complete applications. Agents may need to proactively clarify that rates and credits could change depending on federal action.
- Higher Demand for Expert Guidance – Clients will rely heavily on trusted advisors to interpret the situation. Agencies that provide timely education and transparency can stand out and retain clients through uncertainty.
- Rate Volatility and Carrier Adjustments – Carriers have filed 2025 rates assuming a tougher risk pool. Expect variability across markets—and stay in close contact with your carrier reps to understand any midseason adjustments.
- The Advantage of Early Enrollment – Encouraging clients to enroll early can help them avoid surprises and secure coverage before potential rate or subsidy changes take effect.
Action Plan for Agencies During OEP 2025
- Client Communication – Publish clear updates about subsidy scenarios. Offer cost comparisons with and without enhanced credits.
- Segment Your Book – Identify clients most affected by potential subsidy loss (those near 400% FPL) and prioritize outreach.
- Policy Monitoring – Follow federal negotiations daily for updates on ACA subsidies and Marketplace funding.
- Carrier Coordination – Confirm how carriers are handling rate adjustments and renewal notices.
- Automation & CRM Tools – Use systems like TLDCRM to streamline communications, track enrollments, and manage client follow-up efficiently.
Turning Uncertainty into Opportunity
While the shutdown adds complexity, it also creates an opportunity for trusted advisors to demonstrate real value. Agencies that communicate early, manage expectations, and educate clients will emerge stronger from this season.
TLD Is Here to Help
At TLD, we understand how unpredictable Open Enrollment can be—especially in years marked by policy and economic uncertainty.
Our support team is here to help agencies stay organized, informed, and efficient throughout OEP. We’re actively tracking marketplace news, CMS updates, and legislative changes that could impact agents and clients.
You can reach us anytime via Slack or email at [email protected].
We’ll continue to share updates and best practices to help you navigate the 2025 OEP successfully—so you can focus on what matters most: serving your clients and growing your business.
