Open Enrollment is approaching.

Premiums are rising, subsidies may shrink, and some will lose coverage. Here’s how Access Medical can help.

ACA premiums are projected to jump significantly in 2026, and the enhanced subsidies that kept many premiums low are scheduled to end December 31, 2025 unless Congress acts. On top of that, a new federal rule now makes DACA recipients ineligible for Marketplace coverage. 

What’s changing this Open Enrollment?

  • Premiums: Big increases are on the table for 2026. Early filings show a median proposed increase around 18% for ACA Marketplace plans next year (some states higher, some lower). Final rates vary by state and plan, but the direction is clear.

  • Subsidies: Pandemic‑era “enhanced” subsidies are set to expire after 2025. If Congress doesn’t extend them, many households will see much higher monthly payments in 2026 and the pre‑2021 “subsidy cliff” would return for people just over 400% of the federal poverty level. Analyses suggest typical payments would jump significantly—often hundreds more per month depending on age, income, and location.

  • DACA: A federal rule change now makes DACA recipients ineligible for Marketplace coverage. Effective August 25, 2025, HHS finalized a rule that excludes DACA recipients from the ACA definition of “lawfully present” for Marketplace and BHP eligibility. State exchanges are disenrolling affected members under the rule.

  • Dates: In most HealthCare.gov states, Open Enrollment runs Nov 1 – Jan 15 (enroll by Dec 15 for Jan 1 coverage). State‑based exchanges may have different deadlines; check your state.

How can Access to Healthcare help?

  • Access Medical Program – is a membership discount program that makes routine healthcare more affordable across Nevada. It’s not health insurance—instead, members get reduced prices and pay at the time of service. The program is registered with the Nevada Division of Insurance. Members can save on primary and specialty visits, lab tests, X-rays/MRIs, and receive discounts on dental, vision, and prescription services through participating partners and pharmacies. With a statewide network of 2,000+ providers, Access Medical is a practical way to shrink day‑to‑day costs if you’re uninsured, and underinsured.
  • Need help to enroll in an insurance plan? Access to Healthcare Network can help you enroll in a plan that’s right for you! Call us now at 833-398-1796

→ Ready to lower your healthcare cost? Learn more about the Access Medical Program and sign up in minutes.

At a quick glance help:

  • Enroll in the Access Medical Program

  • Compare Marketplace plans and complete your application

  • Check potential savings/subsidies

  • Verify doctors, prescriptions, labs, and imaging costs

  • Understand how Access Medical can lower your out‑of‑pocket costs alongside any plan

Prefer to start online? Visit the Access Medical Program page.

Need help? 877.385.2345 — help is just one call away.

Have questions about your options, enrolling in the Access Medical Program, or signing up for a Marketplace plan? Our team can walk you through it step‑by‑step (English & Español).