ACA marketplace enrollment down slightly ahead of Dec. 15 deadline

About 4,000 fewer people in Wisconsin signed up at the federal HealthCare.gov marketplace in November for a health plan for next year than did in November 2024 for coverage this year, recently released numbers from the federal government show.

It’s too soon to tell for sure whether that will forecast a significant drop in health coverage through the marketplace, according to William Parke-Sutherland of the Wisconsin family policy research and advocacy group Kids Forward.

Parke-Sutherland and others who pay close attention to health care access in Wisconsin are watching those numbers closely, however.

Monday, Dec. 15, marks a critical deadline — the last day that people who purchase a health plan through the marketplace can sign up for coverage that starts Jan. 1, 2026.

The Healthcare.gov marketplace was created as part of the Affordable Care Act. Enacted in 2010 to drive down the ranks of Americans without access to health care, the ACA established the marketplace to make it easier and cheaper for people without coverage from an employer or through government programs such as Medicaid to buy health insurance.

Enhanced tax credit subsidies first enacted in 2021 on health plans sold through the marketplace have helped boost enrollment to new records over the last four years nationally and in Wisconsin. More than 300,000 state residents received their health coverage for 2025 through the marketplace.

Those enhanced subsidies expire at the end of this year, however, leading to forecasts that enrollment will decline in 2026 as the cost of insurance climbs.