ACA Open Enrollment: What You Need to Know in Uncertain Times

The Affordable Care Act (ACA) Open Enrollment Period is here, running from November 1 through January 15 for most states. This is your annual opportunity to review your health insurance options and secure coverage for the upcoming year. Yet this year, current events—including the federal government shutdown—have brought an extra layer of uncertainty and questions for many families navigating healthcare decisions. 

Navigating Open Enrollment During a Government Shutdown 

With headlines warning of disruptions and a flood of mixed messages online, you may be wondering how the shutdown might affect your access to plans and premium subsidies. While the situation is evolving, the Centers for Medicare & Medicaid Services (CMS) has confirmed that eligible enrollees will continue to have strong access to low-premium plans. In fact, tax credits are projected to cover 91% of the lowest-cost plan’s premium in 2026 for those who qualify. 

You can review the latest official information in the CMS Fact Sheet (link below). 

Our Commitment to You 

At Trusted Senior Specialists, we understand how overwhelming this time can feel. That’s why we are reinforcing our commitment to being your steady, knowledgeable resource. Here’s what you can count on from us: 

• Personalized, Licensed Support: Our agents are well-equipped to help you evaluate your Marketplace options, understand tax credits, and enroll in a plan that fits your needs—always with a focus on keeping your premiums as low as possible. 

• Reliable, Up-to-Date Information: We are actively tracking updates from HealthCare.Gov and CMS to ensure our guidance is accurate and compliant. 

• Priority on Your Well-Being: Your health, wealth, and overall security are at the heart of our work. As new information becomes available, we’ll communicate timely updates by email and text, so you have what you need to stay ahead. 

How You Can Stay Informed 

We encourage you to keep a close eye on your inbox, text messages, our blog and social media accounts for important updates from our team. If you have questions about the enrollment process, tax credits, plan choices, or how current events could impact your healthcare, please reach out directly to your Trusted Senior Specialists agent. 

We’re here to walk you through every step, provide clarity, and help you feel confident in your choices for 2026 and beyond. 

For the most recent facts and figures, review the official CMS Fact Sheet here: CMS Fact Sheet link 

Thank you for trusting Trusted Senior Specialists to guide you. Together, we’ll find the right coverage and continue to protect your health and wallet. 

If you have questions or concerns, give us a call. Our agents are waiting to hear from you. There is no cost or obligatin for our services. A licensed agent can be reached at 1-855-952-1941 (TTY: 711), Monday through Friday from 8 AM to 8 PM (CST). Weekend appointments available.