Enrollment for Affordable Care Act plans began on Saturday with no movement in Congress on whether more generous subsidies for the coverage will last beyond the end of the year.

As such, millions of Americans covered by ACA plans, also known as Obamacare, are staring down drastic price increases for 2026. Rates are increasing significantly, by an average of 26% for a typical plan in the 30 states participating in the federal marketplace, and an average of 17% in states that run their own exchanges, according to health policy research group KFF.

But the actual amount that low- and middle-income Americans pay for coverage will likely be even higher, as increased financial assistance has covered the brunt of premiums for subsidized enrollees since the coronavirus pandemic.

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