Enrollment for Affordable Care Act plans opened in November, giving people who don’t get insurance through an employer a chance to sign up for coverage for next year.

This year’s enrollment comes as enhanced federal tax subsidies — expanded during the pandemic — are set to expire for the first time since 2021. A recent analysis estimates that without those subsidies, average annual premiums for subsidized enrollees could more than double, rising 114% from $888 in 2025 to $1,904 in 2026.

At the same time, funding for health insurance navigators — the trained workers who guide people through the enrollment process — has been repeatedly reduced.

Earlier this year, the Trump administration cut navigator funding by 90%, dropping federal support for states on the federal marketplace from

See Full Page