Final day to select ACA health plans arrives in most states, with no subsidy deal yet

Pages from the U.S. Affordable Care Act health insurance website healthcare.gov are seen on a computer screen in New York, Aug. 19, 2025. (AP Photo/Patrick Sison, File)

Thursday was the final day to select an Affordable Care Act health insurance plan across much of the country, as the expiration of federal subsidies drives up health costs and lawmakers remain locked in a debate over how to address the issue.

That’s when the open enrollment window ends in most states for plans that start in February. About 10 states that run their own marketplaces have later deadlines, or have extended them to the end of the month to give their residents more time.

The date is a crucial one for millions of small business owners, gig workers, farmers, ranchers and others who don’t get their health insurance from a job and therefore rely on marketplace plans. A record 24 million Americans purchased Affordable Care Act health plans last year.