11/02/2026
The next ACA Marketplace question isn’t just how many people enroll. It’s how many insurers offer plans—and what those plans cost when people need care.
KFF reports that the average number of insurers per state fell from 9.6 in 2025 to 9.0 in 2026. It also found that the average Marketplace deductible rose by about $1,000 per person as more enrollees shifted toward higher-deductible plans following the expiration of enhanced premium tax credits.
The 2027 Open Enrollment Period runs November 1, 2026, through January 15, 2027, according to CMS. When comparing plans, look beyond the monthly premium: check the deductible, provider network and expected out-of-pocket costs, too.