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Medicare enrollment: Oct. 15–Dec. 7; ACA marketplace: Nov. 1–Jan. 15, 2026
Nearly **70 million** use Medicare; about **5,600** Medicare Advantage Plans expected in 2026
ACA tax credits for **22 million** may expire end of 2025, risking premiums ↑ by >$1,200/yr
Experts warn of 'sticker shock' and possible coverage loss if subsidies end
Employer plans: costs ↑, HSA/FSA limits ↑; more uninsured could raise premiums systemwide