Over 24 Million Consumers Selected Affordable Health Coverage in ACA Marketplace for 2025

The Centers for Medicare & Medicaid Services (CMS) is committed to a robust Marketplace Open Enrollment process for consumers so they can effortlessly purchase quality, affordable health care coverage. CMS reports that 24.2 million¹ consumers selected plan year 2025 coverage through the Marketplaces during the 2025 Marketplace Open Enrollment Period, including 3.9 million new consumers. That represents more than double the number of enrollees compared to the 2021 Open Enrollment Period.

“The number of people signing up for Marketplace coverage has surpassed 24 million, an all-time high, breaking last year’s record. I’m proud of the work done by the Biden-Harris Administration and the U.S Department of Health and Human Services over the past four years to help more people access quality, affordable health care and bring down the uninsured rate,” said Health and Human Services (HHS) Secretary Xavier Becerra. “Since the law was enacted, 50 million people — or one in seven Americans — have signed up for coverage through the Marketplace. Now, Congress must do its job so those millions of Americans remain covered. The tax credit that has helped people purchase coverage will expire at the end of 2025 unless Congress makes it permanent or extends it. Congressional inaction would result in costs going up. More than five million people could lose their coverage entirely, and millions of other hard-working Americans could face premium increases of more than 50%. The Affordable Care Act belongs to the American people. Let’s keep it that way.”

“The record-breaking success of this year’s Marketplace Open Enrollment speaks volumes about the Affordable Care Act’s past, present, and future serving the American people by connecting our communities to high-quality, person-centered, affordable health care coverage. That priority can and should continue to generate broad, bipartisan support, as it has under the Biden-Harris Administration,” said CMS Administrator Chiquita Brooks-LaSure.

CMS Administrator Brooks-LaSure added: “This record-breaking enrollment is also a testament to the importance of the enhanced financial assistance available through 2025. This additional help has made all the difference for people seeking affordable insurance. For example, a young professional just starting out making $30,000 a year would have previously been expected to contribute around $165 per month but can now pay no more than $50 per month, with even cheaper plans available. Just a little extra help can mean less financial stress for millions of enrollees across the country.”

Thanks to the Biden-Harris Administration, consumers had greater plan choices for 2025, as well as other important supports. The Inflation Reduction Act of 2022, for example, means many middle-income people and families who were previously ineligible for financial assistance have access to lower premiums after tax credits, and many modest-income Americans now have more help paying for premiums. Because of the enhanced and expanded tax credits, four out of five HealthCare.gov consumers could find a plan for $10 or less per month. The enhanced tax credits remain available through 2025 but are set to expire in 2026 without Congressional action.

Marketplace Open Enrollment on HealthCare.gov ran through January 15. Consumers who enrolled by midnight local time on January 15 got coverage that will start February 1, 2025. State-based Marketplace enrollment deadlines vary. State-specific deadlines and other information are available in the State-based Marketplace Open Enrollment Fact Sheet.

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

Endnotes

¹ These metrics reflect available data through January 15, 2025 for Federally Facilitated Marketplaces (FFMs) and State-based Marketplaces on the federal platform (SBM-FP), and through January 11, 2025 for State-based Marketplaces (SBMs), except for some SBMs. The following SBMs report data through the end of their OEPs: Georgia (January 15, 2025), Idaho (October 15, 2024 to December 16, 2024), Kentucky (January 16, 2025), Maryland (January 15, 2025), Minnesota (January 15, 2025), New Mexico (January 15, 2025), Pennsylvania (January 15, 2025), Vermont (January 15, 2025), and Washington (January 15, 2025). Rhode Island reports data through December 7, 2024. As of the snapshot’s reporting deadline, the remaining SBMs had not finalized their end of OEP data or remained open.

² The “returning-consumers” metric in this report includes consumers who have returned to their respective Marketplaces through the reporting date and selected a plan, and consumers who have been automatically re-enrolled for 2025 coverage based on their 2024 enrollment or a suggested alternative plan.

³ In addition to reported Qualified Health Plan (QHP) 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 (FPL), 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 January 11, 2025, Oregon had 32,239 individuals enroll in a BHP, and New York had 1,641,960 individuals enroll in the EP Expansion under the state’s approved section 1332 waiver program. Minnesota’s BHP data was not available at the time of this report.