After the 2026 Affordable Care Act (ACA) enrollment period, health insurance markets are facing sharp changes. Federal data show ACA plan enrollment dropped to about 23 million people for the 2026 plan year, roughly 1.2 million fewer enrollees than the year before.
Expired subsidies
Fewer plan options
Shorter enrollment periods
Income verification
Increased premiums and out-of-pockets
Eligibility changed
What We’ve Seen Post-OEP
Higher Premiums & Reduced Affordability
Federal data show that average premiums for subsidized enrollees are expected to rise from about $888 in 2025 to $1,904 in 2026, an increase of more than 114% after the expiration of enhanced subsidies.
Limited Enrollment Options
Without a qualifying life event, many who missed the window, even by a few days, are effectively locked out of Marketplace coverage until the next enrollment period.
Tens of millions remain uninsured.
National polling has found that around 11% of U.S. adults, nearly 29 million people, say they are unable to afford or access quality healthcare due to cost.
Agent Opportunities: Helping Clients with Alternatives
Lower Premiums & More Affordable Options
Short-term plans often offer premiums under $200/month for healthy applicants, which can represent substantial savings compared to some ACA policies.
Enrollment Flexibility
Most ACA alternatives do not require enrollment during the Marketplace open enrollment, making them available any time of year.
Tailored Solutions for Specific Needs
Fixed-indemnity and limited-benefit plans provide predictable cash benefits that help clients budget for expected medical expenses.
Grow your practice beyond ACA marketplace cycles
Now is the time to protect and grow your business by educating clients on the full range of coverage options; many don’t realize alternatives exist, and that knowledge gap creates opportunity. Customize solutions that balance cost, coverage, and risk tolerance, while building year-round revenue by offering plans not tied to seasonal enrollment windows.
We’re here to support you!
Whether you need product training, enrollment help, or client-ready resources, ACA Alternatives equips agents to thrive after OEP — not just during it.




