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ACA Enrollment Surges Past 22 Million, but Sustainability Questions Linger

The Centers for Medicare & Medicaid Services (CMS) recently announced that more than 22.8 million individuals have enrolled in 2026 health insurance coverage through Affordable Care Act (ACA) Marketplaces, a record-breaking figure that surpasses all previous enrollment periods. This national snapshot captures signups from both the federal HealthCare.gov platform and state-based exchanges (SBEs), marking a clear high point in the ACA’s implementation. But behind the headline growth lies a more nuanced, and increasingly urgent, set of questions for healthcare leaders tasked with navigating cost structures, compliance shifts, and continuity of care.
January 13, 2026
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