Open enrollment begins on Minnesota's health insurance marketplace -- 22% higher on average IF tax credits get extended

[progree]

Open enrollment begins on Minnesota's health insurance marketplace — with steeper costs, MPR 11/3/25

. . . Officials at MNsure, the state’s health insurance marketplace, said rising health care costs and the expiration of federal tax credits are driving up prices. Premiums for 2026 on the individual market are 22 percent higher on average than in 2025 — and that’s before accounting for the loss of federal tax credits, which could add to the cost.

. . . MNsure officials said that means it’s especially important for anyone enrolling through the state’s marketplace to check the details of their plan, and look at other plan options.

. . . Caulum said about 90,000 Minnesotans benefit from the federal tax credits. About 19,000 of them will lose all those benefits if they expire as planned; the rest will still be eligible, but the amount will be lower.

. . .Open enrollment runs through Jan. 15. Anyone enrolled before Dec. 15 will see their insurance benefits start Jan. 1; those who sign up in the last month of open enrollment will have insurance coverage starting in February.

More: https://www.mprnews.org/story/2025/11/03/open-enrollment-starts-as-minnesota-health-insurance-costs-rise

(emphasis added)

Note this advice from CNBC about not picking a plan right away and marrying it --

https://www.cnbc.com/2025/10/31/aca-open-enrollment-starts-enhanced-subsidies.html

Millions face ‘huge sticker shock’ when ACA open enrollment starts Nov. 1, CNBC, 10/31/25

. . . Congress has yet to extend the enhanced subsidies that make insurance premiums cheaper for about 22 million of the 24 million Americans who buy insurance over the ACA exchanges.

Recipients’ health premiums are set to increase by 114% in 2026, on average ((that's a bit more than a doubling -progree)), without the enhanced subsidies, according to KFF, a nonpartisan health policy research group.

Certain enrollees, such as early retirees with modest incomes, face much larger increases, health experts said.
As things stand, enhanced subsidies will expire.

Prospective enrollees in an ACA marketplace plan should pick their 2026 health insurance coverage with this in mind, Cox said. In other words, don’t pick a plan based on the expectation that Congress will extend the enhanced subsidies, she said.

However, she recommends enrollees pay close attention to the news. If Congress reaches a deal, enrollees should come back and look again, because their options and costs may have changed, Cox said.

“If it were me, I’d probably make a note on my calendar to shop over Thanksgiving or in early December,” with an eye to the Dec. 15 deadline, Cox said.

Luckily, the open enrollment period offers relative flexibility, Burks said.

Consumers can pick a plan and select another plan later within the open enrollment period without consequence, he said.

(emphasis added)

[OldBaldy1701E]

1. Or... realize that it is now all out of your 'range' and brace for the inevitable.

Which is where I and many others are at the moment.

It is not exactly a huge loss as they seldom paid for much anyway.