Nearly 988,000 New Consumers Selected Affordable Health Coverage in ACA Marketplace So Far

Those needing affordable, quality health insurance are encouraged to visit HealthCare.gov and sign up, where four out of five people can find coverage at $10 or less after subsidies

ACA Marketplace National Enrollment Snapshot

The Centers for Medicare & Medicaid Services (CMS) is committed to creating a robust Marketplace Open Enrollment process for consumers so they can effortlessly purchase high-quality, affordable health care coverage. CMS reports that nearly 988,000¹ consumers who do not currently have health care coverage through the individual market Marketplace have signed up for plan year 2025 coverage.

During last year’s record-setting Open Enrollment Period, 21.4 million people signed up for coverage, driving the uninsured rate to a historic low, where it remains today. Consumers who have Marketplace coverage now will generally see their coverage renewed for 2025 if they take no action during the current Open Enrollment Period. At the same time, existing consumers are encouraged to return to the Marketplace and actively renew their coverage. Nearly 4.4 million existing consumers have already returned to the Marketplace to select a plan for 2025. Building on the historic success of last year, we are on track for a record high number of plan selections for this year’s Open Enrollment.

“Through the Marketplace millions of Americans seeking health coverage continue to find a high-quality plan at a low cost,” said Health and Human Services (HHS) Secretary Xavier Becerra. “With many people shopping online for holiday gifts, you’ll find the best deal in town at HealthCare.gov. Sign up for a health plan that meets your needs — and gives you peace of mind.”

“ACA Marketplace Open Enrollment continues with more than 5.3 million individuals and families signing up for coverage since the beginning of the Open Enrollment Period,” said CMS Administrator Chiquita Brooks-LaSure. “These numbers reflect the strong and ongoing demand for affordable, high-quality, health care coverage and we expect this year will set another enrollment record.”

For 2025, consumers continue to have greater plan choices, and, thanks to the Biden-Harris Administration and the Inflation Reduction Act of 2022, many people who were previously ineligible for financial assistance now have access to lower premiums after tax credits. Four out of five HealthCare.gov consumers can find a plan for $10 or less per month through expanded financial assistance. Consumers are reminded that this additional financial assistance will remain available through 2025. For more information on the range of updates CMS has implemented to improve the Health Insurance Marketplace® for 2025 — including web and navigation enhancements and more — consult the “What’s New for 2025 Open Enrollment” fact sheet.

Marketplace Open Enrollment on HealthCare.gov runs from November 1 to January 15. Consumers who enroll by midnight December 15 (5 a.m. EST on December 16) can get full-year coverage that starts January 1, 2025.

Individuals can enroll or re-enroll in health insurance coverage for 2025 by visiting HealthCare.gov (or CuidadoDeSalud.gov), or by calling 1-800-318-2596 to fill out an application. Individuals who want assistance signing up for coverage may go to “Find Local Help” on HealthCare.gov to find a Navigator, Certified Application Counselor, or agent or broker. Additionally, if someone learns they are no longer eligible for Medicaid or Children’s Health Insurance Program (CHIP) coverage, they can visit HealthCare.gov to see if they are eligible to enroll in a low-cost, quality health plan. They can also contact the Marketplace Call Center for support in finding a plan that fits their needs.

To view the Marketplace enrollment snapshot report, please visit: https://www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-0

Health Insurance Marketplace® is a registered service mark of the U.S. Department of Health and Human Services.

Endnotes

¹These metrics reflect available data through November 30, 2024, for Federally-facilitated Marketplaces (FFMs) and State-based Market places on the Federal Platform (SBM-FP) and through November 23, 2024, for State-based Marketplace (SBMs).

² The “returning consumers” metric in this report only includes consumers who have returned to their respective Marketplace through the reporting date and selected a plan for 2025 coverage. It excludes consumers who have been automatically re-enrolled in their 2024 plan for 2025 coverage or a suggested alternative plan. Please see the glossary in the Enrollment Snapshot report for data on auto re-enrolled consumers that SBM plans have reported to CMS.

³ In addition to reported Qualified Health Plan (QHP) plan selections, Minnesota and Oregon have a Basic Health Program (BHP), which provides coverage to consumers with household incomes at or below 200% and above 133% of the Federal Poverty Level, who are not eligible for Medicaid or CHIP, and otherwise would be eligible for a QHP. New York has also implemented a new coverage program, the Essential Plan (EP) Expansion, under a section 1332 waiver. The EP Expansion generally mirrors the state’s previously utilized BHP with expanded eligibility for certain residents with estimated household incomes up to 250% of the FPL. See https://www.cms.gov/files/document/ny-1332-amendment-fact-sheet.pdf for more information about New York’s EP Expansion. As of November 23, 2024, Oregon had 28,000 individuals enroll in a BHP, and New York had 1.6 million individuals enroll in the EP Expansion under the state’s section 1332 waiver program. Minnesota’s BHP data was not available at the time of this report.