Obamacare Deductibles Rise More Than $1,000 After Enhanced Tax Credits End

Deductibles for Americans enrolled in individual coverage under the Affordable Care Act rose by more than $1,000 on average this year after enhanced premium tax credits expired. A KFF analysis released March 19, 2026, shows the average deductible increased 37 percent to $3,786 from $2,759 the previous year. KFF analysts described the increase as the steepest recorded for ACA coverage.

5 million in 2026. The report noted that a significant number of marketplace enrollees are expected to lose coverage mid-year due to higher premiums. Premiums rose an average of 58 percent from $113 to $178 per month. 2 million people. 8 million people. The share of enrollees selecting cost-sharing reduction silver plans also reached its lowest recorded level at 37 percent.

54 million at the end of last year. 4 million from 1. The Trump administration reported in late January that 23 million consumers had signed up for 2026 individual market coverage through the marketplaces since open enrollment began November 1, 2025.