Wednesday marks deadline for health insurance sign-up under Affordable Care Act • Wisconsin Examiner

Wednesday is the final deadline this year for people who want to sign up for health insurance through the Affordable Care Act.

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Wisconsin has already set a new record for enrollment, according to preliminary information from the federal Centers for Medicare & Medicaid Services (CMS), part of the Department of Health and Human Services.

The health care marketplace, https://healthcare.gov, was established as part of the Affordable Care Act for consumers who don’t have affordable health insurance through work or through government programs such as Medicaid. Individuals and families can purchase health insurance policies at Healthcare.gov.

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The most recent federal data from CMS shows sign-ups through Jan. 4. On Friday, Gov. Tony Evers announced that in Wisconsin, 306,470 residents had signed up as of that date — an all-time high for the state.

Through 2025, plans purchased through the marketplace are also supported by enhanced federal subsidies, lowering their monthly insurance premium cost depending on a family’s income.

The future of the subsidies beyond this year is uncertain. Advocates are trying to pressure Republicans in Congress to maintain them as they negotiate other tax changes in the coming months.

Sens. Tammy Baldwin (D-Wis.) and Jeanne Shaheen (D-N.H.) have introduced legislation to extend the enhanced subsidies and make them permanent.

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The ACA advocacy group Protect Our Care cheered the legislation when it was introduced last week. “If Republicans succeed in taking away these tax credits, health care costs will increase by an average of $2,400 for working families, and five million people will lose their health care altogether,” said Leslie Dach, the group’s chair.

For people seeking guidance in how to choose coverage, Covering Wisconsin, at https://coveringwi.org/, is a federally funded navigator to help people to assess their health insurance options, including through the federal health insurance marketplace.  

The Wisconsin Office of the Commissioner of Insurance (OCI) and the Department of Health Services (DHS) also outline options through WisCovered, a joint website. OCI also has a website that consumers can visit to find which ACA-approved insurers are operating in their region of the state: https://oci.wi.gov/Pages/Consumers/FindHealthInsurer.aspx.