The Affordable Care Act (ACA) open enrollment period runs from November 1 to December 15, and this year, millions of Americans will see the largest premium increase since the ACA was implemented.

With enhanced federal subsidies expiring and insurers adjusting prices to reflect higher medical and prescription costs, ACA rates are climbing quickly nationwide. This means that many households will face higher monthly bills unless they review and update their health insurance plans.

If you currently have coverage through the ACA marketplace, make sure to log in and update your income information so you can compare new plan options before December 15. Even if you are happy with your current plan, premiums and benefits may change. It is also worth exploring Health Savings Account (HSA) options available on your plan, which can help lower taxable income and offset some healthcare costs.

Major Carrier Exits North Carolina ACA Market

A significant change this year is that a major insurance carrier has completed its withdrawal from ACA marketplace plans in North Carolina. If you currently have a plan with an exiting carrier, it will not renew for 2026. You will need to select a new health insurance plan by December 15 to avoid a lapse in coverage.

Between rising premiums and shifting carrier availability, it is more important than ever to review your ACA plan carefully. Don’t wait until the deadline. Explore your options now to ensure continuous, affordable coverage in 2026.

We Are Here To Help

Navigating ACA open enrollment can be confusing, but you do not have to do it alone. Our team of licensed health insurance agents is here to guide you through every step, from comparing plans and updating income information to finding the most cost-effective coverage for your needs.

Contact Broad River Insurance today at (828) 884-3885 to review your ACA options and ensure you are prepared for 2026. Visit broadriverins.com to learn more.