Health care costs under the Affordable Care Act (ACA) have risen significantly in 2026, following the expiration of enhanced cost-saving measures. As a result, many individuals, including those living on Long Island like Jonathan Silberstein, now face increased premiums for their health insurance. This year’s changes come as lawmakers did not renew the subsidies, which previously helped lower costs for many enrollees.
Insurance broker James Donnelley reports that some of his clients are seeing monthly premium increases of more than $100. “Many families are now forced to reconsider their budgets,” said Donnelley, who owns Safe Haven Insurance Agency. “They have to ask themselves if they can still afford extracurricular activities for their children, as these new costs take a significant bite out of their monthly expenses.”
The deadline for enrollment or renewal of ACA health care plans is January 5, 2026. Those wishing to obtain or continue their coverage must act before this date. Nonetheless, there are provisions for individuals who experience qualifying life events, such as a sudden loss of income, the birth of a child, or relocation. Donnelley explained, “Special election periods allow for enrollment outside the standard window when significant life changes occur.”
With the Senate now considering future policies surrounding the ACA, the implications of these rising costs are profound. Many analysts express concern that higher premiums could further reduce enrollment numbers, as potential enrollees weigh affordability against their health needs.
Recent data highlights the broader trends affecting ACA enrollment. Approximately 800,000 fewer Americans signed up for ACA plans in early 2026 compared to last year, marking a 3.5% decline. Analysts attribute this drop to the expiration of federal subsidies combined with rising health care costs, raising significant affordability concerns. As enrollees begin to receive bills reflecting these new costs, the potential for further enrollment declines looms large.
In Texas, however, a different trend has emerged. Despite similar challenges with subsidy expiration, enrollment has surged, with over 4.11 million Texans selecting plans as of January 3, 2026. This figure exceeds the previous year’s total, suggesting a robust market there, even as other states struggle.
As deadlines approach and costs rise, the future of the Affordable Care Act remains uncertain. Families across the United States grapple with the impact of these changes, emphasizing the importance of accessible health care. The ongoing discussions in Congress will be closely watched as they will determine the trajectory of health care affordability in the coming months.
