Oliver Wyman January 14, 2026
Understand how ACA premium increases affect enrollment, drive shifts to lower metal tiers, and influence small employer benefit strategies.
After a tumultuous launch to open enrollment, all eyes are on Affordable Care Act (ACA) Marketplaces. The end of enhanced premium tax credits caused premiums to soar. The issue is whether consumers will drop coverage or absorb the increased costs, which could include shifting to lower-tier coverage. As of mid-January, enrollment was down by about 830,000 people, or roughly 3.5%, from the same time last year, although not all enrollees have paid their first bill yet.
Insurers and small- and mid-sized employers alike are paying close attention to how ACA enrollment shakes out, especially as they start planning for the 2027...
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