ACA Premiums Expected to Surge Nationwide in 2026 Without Subsidy Extensions

The Affordable Care Act (ACA) marketplace premiums for 2026 are expected to rise sharply across multiple states, with increases ranging from 12.66% to over 100%, driven largely by the anticipated expiration of enhanced premium subsidies established under the Inflation Reduction Act. Without an extension of these subsidies, many enrollees could see their monthly payments more than double, making coverage unaffordable for some and potentially leading to a loss of health insurance for tens of thousands, as seen in states like New Jersey and Colorado. The federal government shutdown has intensified the debate over these subsidies, with Democrats pushing for their renewal as part of funding legislation and Republicans demanding government reopening first. Specific state analyses, such as in North Carolina and Wisconsin, reveal that older and higher-income residents are especially vulnerable to premium surges, with some facing quadrupled monthly costs. Open enrollment begins November 1, and experts warn consumers to explore their options early amid this uncertainty. The outcome of ongoing negotiations will significantly impact the affordability and accessibility of ACA coverage in 2026.