Frequently Asked Questions
Open enrollment for the 2026 plan year will take place from November 1, 2025, to January 15, 2026. However, for coverage to begin on January 1, you must enroll by December 15, 2025.
- Expiration of Premium Tax Credits: The enhanced Advanced Premium Tax Credits (eAPTCs) will expire at the end of 2025.
- Stricter Eligibility & Verification: Stricter income verification and other eligibility checks are being implemented to combat fraud and improper enrollments.
- Loss of Coverage for Some: The expiration of enhanced subsidies and stricter rules will likely result in a significant decrease in enrollment.
- DACA Recipients Ineligible: Individuals with Deferred Action for Childhood Arrivals (DACA) status will no longer be eligible for ACA Marketplace coverage.
Unless Congress acts to extend the premium tax credits, premiums will likely increase for Marketplace enrollees.
The enhanced Advanced Premium Tax Credits (eAPTCs) are tax subsidies introduced under the American Rescue Plan (ARPA) and extended though the Inflation Reduction Act (IRA) to provide affordable coverage.
No carriers are leaving the Marketplace in Oklahoma for 2026.
Yes. With higher costs, fewer people will enroll in the Marketplace. Consumers may choose to transition to Medicaid or go uninsured. The exodus of healthier individuals from the Marketplace could further exacerbate premium increases. Younger, healthier individuals are more likely to drop coverage due to affordability concerns. This would lead to an increase in the morbidity factors used by insurers, as well as a premium load for anti-selection, further driving up rates.