The Affordable Care Act (ACA)
Marketplaces opened for signups on November 1, marking the eleventh year that consumers can buy health insurance under the ACA and the third full year in which consumers can access increased premium subsidies due to the American Rescue Plan Act and subsequent Inflation Reduction Act. Overall, consumers will see a moderate increase in premiums for the lowest-cost plans in each of the silver and gold metal levels, and a slightly larger increase on bronze plans, on the federal Marketplace, according to an Oliver Wyman actuarial analysis.