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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.

Call Us

888-362-1214

Weekdays 8:30 – 5:00 Central

Schedule

Meet virtually at your convenience.

Contact Request

Submit for more information.

Email Us

sales@na-insurance.com

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8:30 am – 5:00 pm Central

Agents who have relied too heavily on ACA must act decisively to protect and grow their book of business.

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