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Expert Insight

Enhanced subsidies propelled ACA marketplace enrollment. What’s next?

Enhanced subsidies have had a significant impact on Affordable Care Act (ACA) marketplace enrollment, driving record-high numbers. But what will happen to these subsidies after 2025? Dive into the implications for health plans and learn how they can navigate the uncertain future.
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Regulatory changes propel ACA marketplaces to record-high enrollment

In 2024, the individual market witnessed unprecedented growth, reaching a new high of 21.4 million beneficiaries. This surge in enrollment was predominantly seen in federally facilitated marketplaces (FFMs). From 2020 to 2024, FFMs experienced an average growth of 126%, compared to a 22% growth in state-based marketplaces (SBMs).

Several regulatory adjustments have significantly contributed to the record-high ACA enrollment in 2024, particularly in FFMs. Recent changes like the Medicaid unwinding and the "family glitch” fix, along with the introduction of special enrollment periods, enhancements to websites, and robust outreach campaigns, have already shown their impact.


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  • Health plans

AFTER YOU READ THIS
  • Understand the regulatory changes that propelled ACA enrollment.
  • Consider what could happen to enhanced subsidies after 2024.
  • Learn how health plans can respond.

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