Health insurance dominated the news in the last few months of 2025. With the Affordable Care Act (ACA) enhanced premium tax credits expiring on the first day of the new year, the future of individual insurance was up for debate. Would the ACA Marketplace survive a sudden drop in sign-ups if people were no longer able to afford premium payments?
Leading into open enrollment, plenty of doomsayers predicted that the individual market would collapse under the pressure, leaving millions without coverage. Others took a more moderate stance, forecasting rising costs but an enduring market.
With data from open enrollment now coming in, we no longer need to rely on guesswork. Let’s take stock of where the ACA Marketplace stands today and what it means for our healthcare system. ARTICLE