Insurers have filed sizable rate increases for 2027 Affordable Care Act Marketplace coverage, and the enhanced premium tax credits that lowered costs for millions expired at the end of 2025. Standard subsidies remain available, with a single person in the continental U.S. qualifying at income up to about $63,840 for 2027, but the 400% federal poverty level subsidy cliff is back in force. Open enrollment for 2027 coverage begins Nov. 1, 2026 in most states. This matters for many people with disabilities who are not yet eligible for Medicare, who work part time, or who are in the 24-month SSDI waiting period and rely on Marketplace coverage. Plan on comparing plans rather than auto-renewing this fall, and check whether a state-based subsidy or Medicaid eligibility applies.
Read more: Peterson-KFF Health System Tracker / healthinsurance.org
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