Dec. 15, 2025 – the deadline for enrolling in a marketplace plan through the Affordable Care Act for 2026 – came and went without an agreement on the federal subsidies that kept ACA plans more affordable[1] for many Americans. Despite a last-ditch attempt in the House to extend ACA subsidies[2], with Congress adjourning for the year on Dec. 19, it’s looking almost certain that Americans relying on ACA subsidies will...