2026 Open Enrollment: Americans fear spike in healthcare costs, making some Republicans nervy

As 2026 open enrollment approaches, millions of Americans are bracing for significant health insurance cost increases. Enhanced ACA subsidies that dramatically reduced premiums may expire, and the political debate over their renewal has left many consumers uncertain about what to expect. Here’s what Arizona residents need to know heading into 2026 open enrollment.

Why 2026 Open Enrollment Costs Are Rising

The enhanced premium tax credits introduced by the American Rescue Plan made marketplace coverage affordable for millions who previously couldn’t qualify. If those subsidies expire, premiums could spike dramatically for people who earn between 100% and 400% of the federal poverty level — the group that benefits most from ACA subsidies.

According to healthcare.gov, 2026 open enrollment runs November 1 through January 15. Changes made during this window take effect January 1, 2027.

What Arizona Residents Should Do Before 2026 Open Enrollment

• Don’t assume your current plan is still the best option — carriers adjust premiums, networks, and benefits every year
• Check your subsidy eligibility — income changes could mean larger or smaller subsidies than last year
• Compare all plan types — ACA marketplace plans, off-exchange PPOs, and short-term options all have different price points
• Use an independent broker — a broker compares all options at no extra cost to you

Off-Exchange Options Worth Considering

If you earn too much for meaningful ACA subsidies, 2026 open enrollment is a good time to compare off-exchange PPO plans. Some carriers offer private PPO plans with broader networks — including Mayo Clinic Arizona — at competitive prices for healthy individuals.

Free Help With 2026 Open Enrollment in Arizona

I’m Andy Orlikoff, an independent health insurance broker in Surprise, AZ. I help Arizona residents compare all their options during 2026 open enrollment — marketplace plans, off-exchange PPOs, and more. My help is always free.

Call or text: (623) 742-3878
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Serving Surprise, Phoenix, Peoria, Glendale, Goodyear, Scottsdale, Mesa, Chandler, Gilbert, and all of Arizona.

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