Florida lost 450,000 ACA enrollees in 2026 as premiums rose an average of 37% nationally, new data shows

Florida’s effectuated ACA enrollment fell from 4.3 million to 3.85 million in 2026, the largest raw drop of any state, after Congress let pandemic-era subsidy boosts expire in December 2025 following the longest government shutdown in U.S. history. Nationally, premiums rose an average of 37%, or about $1,000 a year, and enrollment fell 12.4% to 19.1 million.

The Trump administration’s Health and Human Services Department framed the nearly 3 million lost enrollees as mostly improper — too wealthy, too eligible for Medicaid, or outright fraudulent — a claim healthcare policy analysts dispute as partisan gloss on a subsidy rollback. Ohio and Oklahoma saw the steepest proportional declines at 32%, while states that added their own subsidies cushioned the blow.

Consumers who stayed largely downgraded rather than dropped out entirely: silver plan enrollment fell from 56.2% to 42.6% while bronze plans jumped to 39.6%, suggesting people are buying thinner coverage rather than none. The full uninsured-rate picture won’t be known until 2027.

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