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Can I still enroll in health insurance during the government shutdown?
Yes, health insurance enrollment is still open despite the shutdown. Federal agencies like the CMS have resumed some operations to support enrollment efforts. However, reduced staffing and limited federal assistance may make the process more challenging, especially for first-time shoppers.
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What are the deadlines for health coverage in 2026?
The open enrollment period typically runs until January 15, 2026. It’s important to enroll before this deadline to ensure coverage for the upcoming year. Missing the deadline could mean waiting until the next open enrollment unless you qualify for a special enrollment period.
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Will rising premiums affect my health insurance options?
Rising premiums are a concern, especially with the current political deadlock over subsidies. Without extended subsidies, many Americans may face higher costs. It’s advisable to compare plans carefully and explore available assistance programs to manage expenses.
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Are subsidies still available for health coverage now?
Subsidies are currently uncertain due to the political stalemate over COVID-era tax credits. While some assistance may still be accessible, the future of expanded subsidies is unclear, which could impact affordability for many enrollees in 2026.
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How does the shutdown impact enrollment assistance programs?
The shutdown has led to reduced federal support for enrollment assistance programs, making it harder for consumers to get help. This can be especially challenging for those unfamiliar with the process or needing extra guidance to choose the right plan.
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What should I do if I miss the enrollment deadline?
If you miss the open enrollment deadline, you may still qualify for a special enrollment period if you experience certain life events like losing other coverage, moving, or changes in income. Otherwise, you’ll need to wait until the next open enrollment unless legislation changes.