Obamacare Open Enrollment – New 2024 Health Plans are Here

As we embark on the eleventh year of Affordable Care Act (ACA) open enrollment, significant developments are reshaping the landscape for 2024. Running from November 1, 2023, to January 15, 2024, this open enrollment season brings forth noteworthy changes and challenges. In this guide, we explore the dynamic factors influencing Obamacare open enrollment, keeping you informed about what to anticipate in the coming months.

  1. Premium Trends and Subsidies:
    • Unsubsidized premiums for ACA Marketplaces are experiencing a 5% increase in 2024, driven partly by inflation.
    • Lowest cost bronze plans see a 6% rise. Rising healthcare provider prices and post-pandemic rebound in utilization contribute to this trend.
    • The Inflation Reduction Act’s temporary enhancement of subsidies continues to offer financial relief, mitigating the impact on most enrollees. Subsidies cap the premium expenses as a share of household income.
  2. Record-Setting Enrollment Anticipation:
    • 2024 could witness another record-setting year for enrollment, building on the momentum of 15.7 million enrollments earlier in the year.
    • Medicaid disenrollments due to resumed renewal requirements create an opportunity for Marketplace subsidies, potentially boosting enrollment.
  3. Insurer Participation and Market Dynamics:
    • Insurer participation in 2024 is expected to be more robust, with more entrants than exits.
    • Some insurers withdraw from specific markets, like Oscar Health in California, while others expand their footprint in various states.
  4. State-Level Policy Changes:
    • State-level policy changes will impact eligibility, costs, and enrollment processes.
    • Examples include Virginia’s shift to its enrollment platform, California’s additional cost-sharing reduction subsidies, and Washington’s inclusion of undocumented immigrants in Marketplace plans.
  5. Medicaid Expansion and Coverage Transitions:
    • North Carolina’s Medicaid expansion starting December 1, 2023, will transition some low-income individuals from Marketplace plans to Medicaid.
    • Massachusetts raises the income limit for additional state subsidies, offering increased support for eligible residents.
  6. Auto-Reenrollment Policy:
    • A new auto-reenrollment policy on Healthcare.gov aims to save consumers money on deductibles.
    • The federal Marketplace will automatically re-enroll eligible individuals in silver-level plans, optimizing cost-sharing reductions.
  7. Obamacare Open Enrollment

For those seeking more personalized assistance or information about Obamacare, the official phone number is a valuable resource. Individuals can contact the Health Insurance Marketplace directly by calling (866) 227-8026 . Trained representatives can provide guidance on eligibility, enrollment, and other pertinent information.


As we navigate the intricacies of Obamacare open enrollment in 2024, understanding these key insights becomes paramount. Stay informed about premium trends, enrollment opportunities, and state-specific changes to make the most informed decisions for your healthcare coverage. For personalized assistance or additional information, consult the official resources available through Healthcare.gov.

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