What’s New in the ACA Marketplace for 2025

As the 2025 open enrollment period approaches, here are 5 important updates to keep in mind when speaking with shoppers. 

1. DACA Recipients May Qualify for Marketplace Coverage: For the first time, DACA recipients are expected to be eligible to enroll in the Marketplace and qualify for income-based subsidies.

• Impact: This could potentially add 100,000 new enrollees. 
• Challenge: However, ongoing legal challenges in 19 states may impact this eligibility. 

2. Georgia’s New State-Run Marketplace: Starting November 1, Georgia will launch its own enrollment platform, Georgia Access, replacing HealthCare.gov. Residents will need to use this new site for 2025 coverage.

3. California’s Expanded Subsidies: California will expand its state-funded program, allowing all Covered California applicants with household incomes up to 250% of the federal poverty level (FPL) to access plans with zero deductibles and reduced out-of-pocket costs.

4. Changes in Colorado’s Cost-Sharing Reductions: Colorado will reduce the eligibility for state-funded cost-sharing reductions from 250% to 200% of FPL. Enrollees with incomes between 200% and 250% FPL will only qualify for federal assistance.

5. State-Specific Subsidy Changes: Beyond the major updates, many states are making adjustments to their subsidy programs that could impact premiums and out-of-pocket costs, making it essential for consumers to review their local Marketplace offerings closely. Check each state law for details.