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Charles Gaba's blog

Grouching towards Enrollment: My 2026 ACA OEP Guide

Sun, 10/26/2025 - 2:29pm

Almost exactly a year ago I began my 2025 ACA Open Enrollment Period guide with the following words:

This is the best OEP ever for the ACA for several reasons:

  • The expanded/enhanced premium subsidies first introduced in 2021 via the American Rescue Plan, which make premiums more affordable for those who already qualified while expanding eligibility to millions who weren't previously eligible, are continuing through the end of 2025 via the Inflation Reduction Act;
  • A dozen states are either launching, continuing or expanding their own state-based subsidy programs to make ACA plans even more affordable for their enrollees;
  • 100,000 or more DACA recipients are finally eligible to enroll in ACA exchange plans & receive financial assistance!

What a difference a year can make.

  • Read more about Grouching towards Enrollment: My 2026 ACA OEP Guide
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Get Covered
2026 Open Enrollment

How much more will ACA enrollees have to pay if the enhanced subsidies expire? (updated)

Fri, 01/10/2025 - 8:57am

USE THE DROPDOWN MENU ABOVE TO PICK A STATE.

9/29/25: Welcome Paul Krugman subscribers! I greatly appreciate the shoutout by him but should add the following clarification:

Regarding the chart below which he reposted comparing the original ACA subsidy scale to the current version: You probably think that if the enhanced subsidies expire it will revert back to the original version, which would be bad enough. In fact, however, the Trump Regime has also made THAT version even worse, like so:

I should also note that I've started cross-posting key entries at Substack as well.

  • Read more about How much more will ACA enrollees have to pay if the enhanced subsidies expire? (updated)
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APTC
Kill the Cliff
Up the Subs
Subsidy Cliff
IRA

New Mexico 2026 ACA enrollment up 20% y/y thanks to backfilling ALL lost federal tax credits; residents still have until MIDNIGHT TONIGHT for coverage starting TOMORROW!!

Wed, 12/31/2025 - 12:37pm

BeWell NM, New Mexico's ACA exchange, is the only state marketplace with ongoing daily enrollment data reports:

New Mexico Open Enrollment 2026 - Enrollment Summary

Last Refreshed On: December 31st, 2025

  • Active Re-enrollees: 17,287
  • New Enrollees: 8,443
  • Auto-Re-enrollees: 53,042
  • Total: 78,772

By comparison, at the same point last year, BeWell NM reported:

  • Active Re-enrollees: 19,216
  • New Enrollees: 6,644
  • Auto-Re-enrollees: 39,826
  • Total: 65,686

In other words, new enrollments are up 27% while active renewals are down about 10%; they pretty much cancel each other out compared to the same point last year.

  • Read more about New Mexico 2026 ACA enrollment up 20% y/y thanks to backfilling ALL lost federal tax credits; residents still have until MIDNIGHT TONIGHT for coverage starting TOMORROW!!
  • Comments
New Mexico
BeWellNM
2026 Open Enrollment
Get Covered

Maine: CoverME reports 30.9K active enrollments thru 12/27; 58.2K total so far

Wed, 12/31/2025 - 12:25pm

via CoverME, Maine's ACA exchange:

The Maine Department of Health and Human Services (DHHS) Office of the Health Insurance Marketplace (OHIM) will release biweekly updates on plan selections through CoverME.gov, Maine’s Health Insurance Marketplace.  

Plan selections provide a snapshot of activity by new and returning consumers who have selected a plan for 2026. “Plan selections” become “enrollments” once consumers have paid their first monthly premium to begin coverage. These numbers are subject to change as consumers may modify or cancel plans after their initial selection.   

The deadline to select a plan for coverage beginning January 1, 2026 is December 15, 2025. Consumers who select a plan between December 16, 2025 and January 15, 2026 will have coverage beginning February 1, 2026. 

  • Read more about Maine: CoverME reports 30.9K active enrollments thru 12/27; 58.2K total so far
  • Comments
Maine
Get Covered
2026 Open Enrollment

Get Covered NJ reports 186K active enrollees thru 12/12; residents still have until MIDNIGHT TONIGHT for coverage starting tomorrow

Wed, 12/31/2025 - 11:35am

via the New Jersey Dept. of Banking & Insurance:

TRENTON — With a critical deadline approaching to enroll in 2026 health coverage through Get Covered New Jersey, Department of Banking and Insurance Commissioner Justin Zimmerman is encouraging residents in need of health insurance to enroll by December 31st for coverage that is effective on January 1st . 

Open Enrollment at Get Covered New Jersey, the state’s Official Health Insurance Marketplace, runs from November 1, 2025, through January 31, 2026, but consumers must enroll in a plan by December 31, 2025, for coverage beginning January 1, 2026. Those who enroll by January 31, 2026, will have coverage beginning on February 1, 2026.

  • Read more about Get Covered NJ reports 186K active enrollees thru 12/12; residents still have until MIDNIGHT TONIGHT for coverage starting tomorrow
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New Jersey
GetCoveredNJ
2026 Open Enrollment

ACA Signups: 2025 Year in Review (Jul - Dec)

Wed, 12/31/2025 - 5:16am

I originally launched ACASignups.net in the fall of 2013 during the first batcrap insane ACA Open Enrollment Period. That means it’s been around for over 12 years now.

Every week I send out a weekly digest, which pretty much just includes a roundup of links to everything I had published the previous week, regardless of how major or minor it was.

However, I’ve never published an annual roundup of the most significant things I wrote over the course of the year…until today.

I also wanted to thank all of my supporters, whether you’ve been following my work for years or just started to do so recently; it means a lot to me.

Speaking of which, if you find my work useful & would like to support it, you can do so in two ways:

  • Read more about ACA Signups: 2025 Year in Review (Jul - Dec)
  • Comments

ACA Signups: 2025 Year in Review (Jan - Jun)

Tue, 12/30/2025 - 2:48pm

I originally launched ACASignups.net in the fall of 2013 during the first batcrap insane ACA Open Enrollment Period. That means it’s been around for over 12 years now.

Every week I send out a weekly digest, which pretty much just includes a roundup of links to everything I had published the previous week, regardless of how major or minor it was.

However, I’ve never published an annual roundup of the most significant things I wrote over the course of the year…until today.

I also wanted to thank all of my supporters, whether you’ve been following my work for years or just started to do so recently; it means a lot to me.

Speaking of which, if you find my work useful & would like to support it, you can do so in two ways:

  • Read more about ACA Signups: 2025 Year in Review (Jan - Jun)
  • Comments

California: Covered CA reports 617K active enrollments, up 1.3% y/y so far...but a deeper look portends disaster for many...

Tue, 12/30/2025 - 10:16am

via Covered California's Open Enrollment Dashboard, as of December 27th:

  • New enrollments: 137,958
  • Active renewals: 479,358
  • Passive Autorenewals: 1,318,779
  • Total: 1,936,095

As I've noted before: While I include the passive/auto-renewal number for completeness sake, that number won't really be relevant until after the deadline for January 1st coverage passes (which isn't until New Year's Eve in California).

More important for the moment is the total number of active enrollments, which includes both new enrollees as well as current enrollees who log into their account and actively select a plan for 2026.

In California, those come to 617,316 combined.

As of the same point last year (actually 1 day more; the data from last year is as of 12/28), Covered CA was reporting:

  • Read more about California: Covered CA reports 617K active enrollments, up 1.3% y/y so far...but a deeper look portends disaster for many...
  • Comments
California
Covered California
2026 Open Enrollment
Get Covered

CMS posts claimed September 2025 Medicaid/CHIP enrollment report: 77.1M, down 2.4M since December 2024

Mon, 12/29/2025 - 4:52pm

The Trump Regime has published an update to the official Medicaid/CHIP enrollment data:

September 2025 Key Findings

Medicaid and CHIP Enrollment

  • In September 2025, 77.1 million individuals were enrolled in Medicaid and CHIP.
  • 69.8 million individuals were enrolled in Medicaid, and 7.3 million individuals were enrolled in CHIP.
  • 40.3 million adults were enrolled in Medicaid, and there were 36.7 million Medicaid child and CHIP enrollees.

Total Medicaid/CHIP enrollment in September 2025 of ~77.1 million dropped about 0.9% from July 2025, or by around 700,000 people.

  • Read more about CMS posts claimed September 2025 Medicaid/CHIP enrollment report: 77.1M, down 2.4M since December 2024
  • Comments
CMS
Medicare
Medicaid
CHIP

Reminder: 2026 Open Enrollment isn't over yet! 10 states still have time for Jan. 1st coverage; 49 states still have time for Feb. 1st coverage!

Sun, 12/28/2025 - 11:07am
Magazine advertisement for the 1946 film Deadline at Dawn Date	March 1946 publication Source	Photoplay for March 1946, page 9 Author	RKO Pictures

Originally posted 12/19/25

Since we're past the initial December 15th Open Enrollment Deadline for coverage starting January 1st in most states and since there's been several enrollment deadline extensions announced by various states (including two more today), I figured this would be a good time to post a completely updated rundown of just what the remaining deadlines are for every state as well as what your options are if you miss them.

This is basically a standalone version of the first section of my annual Open Enrollment Guide; I hope that separating it out will make it less overwhelming.

IDAHO: December 15th was the only deadline for 2026 coverage. If you missed it, you're pretty much out of luck unless you qualify for one of the following exceptions:

  • Read more about Reminder: 2026 Open Enrollment isn't over yet! 10 states still have time for Jan. 1st coverage; 49 states still have time for Feb. 1st coverage!
  • Comments
2026 Open Enrollment
Connecticut
Vermont
Washington State

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