affordable care act enrollment window subsidies health.

FILE - Pages from the U.S. Affordable Care Act health insurance website healthcare.gov are seen on a computer screen in New York, Aug. 19, 2025. (AP Photo/Patrick Sison, File)

Final day to select ACA health plans arrives in most states, with no subsidy deal yet

The final day to select Affordable Care Act health insurance for the year has arrived across much of the country. The open enrollment window ends Thursday in most states for plans that start in February. About 10 states that run their own marketplaces have deadlines later this month. The window is crucial for millions of small business owners, gig workers, farmers, ranchers and others who don’t get their health insurance from a job. But this year, the expiration of certain federal subsidies made most enrollees’ monthly premium fees more expensive. A potential compromise to extend the subsidies is in the works in the Senate, but there’s no deal yet.

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