Fewer Americans sign up for Affordable Care Act health insurance as costs spike
January 13, 2026
Fewer Americans are signing up for Affordable Care Act health insurance plans this year. New federal data shows a 3.5% drop in enrollment, with around 800,000 fewer people selecting plans compared to last year. This decline is linked to expiring subsidies and rising health expenses. The data, released Monday by the Centers for Medicare and Medicaid Services, includes sign-ups through early January. Experts warn enrollment may drop further as people receive their first bills. Congress is debating extending the subsidies, with Democrats pushing for an extension and Republicans seeking broader reforms. Many Americans are considering alternatives or going without insurance.