Approximately 40,000 fewer residents of Michigan are enrolling in Affordable Care Act (ACA) health insurance plans this year, as recent federal data shows a significant decrease in sign-ups. This decline reflects a broader national trend linked to increasing premiums and the expiration of tax subsidies. The latest figures from the Centers for Medicare & Medicaid Services (CMS) indicate that 491,565 Michiganders selected or were automatically renewed in their plans during the 2026 marketplace open enrollment period, compared to 531,083 individuals at the same point last year.
As the open enrollment deadline approaches on Thursday, state policy analysts and healthcare officials have highlighted key reasons for the rise in costs, particularly pointing to Congress’s decision not to extend ACA tax credits that have previously helped offset premium expenses. Michigan Department of Insurance and Financial Services Director Anita Fox emphasized the critical importance of securing health insurance, warning that missing this enrollment opportunity would be a significant misstep. She noted, “Comprehensive, high-quality health insurance leads to better health outcomes,” encouraging consumers to utilize free local assistance available for navigating the Health Insurance Marketplace.
Nationally, there has also been a drop in ACA enrollment, with about 800,000 fewer individuals selecting plans compared to last year, marking an approximate 3.5% decrease. This decrease encompasses both new enrollees and those renewing their existing plans. The CMS data, released on Monday, provides a brief overview of enrollment that is continually evolving and reflects sign-ups through January 3 in states utilizing HealthCare.gov and December 27 for states with their own marketplaces.
Concerns persist that enrollment may further decline as individuals receive their first monthly bills, with some possibly opting to cancel their coverage. In light of these challenges, President Joe Biden plans to introduce a new “health care affordability framework” aimed at reducing care costs, while also promising additional plans to improve affordability across the nation.
In response to the recent enrollment figures, Dianne Byrum, director of Protect Our Care Michigan, attributed the issue to the actions of Republicans in Washington. She reiterated a call for a straightforward three-year extension of the ACA tax credits, emphasizing that the only obstacles to this solution are Senate Republicans and former President Trump.
The situation continues to be a topic of significant concern as policymakers and health advocates seek solutions to ensure that more people can access affordable health insurance. With the deadline approaching, the hope remains that outreach efforts will encourage those eligible to seek the coverage they need.