UnitedHealthcare, Centene, Cigna and Oscar add exchange markets

The biggest unknown is how Congress will deal with the enhanced exchange subsides that drove record enrollment in recent years but are scheduled to expire at the end of 2025. The issue is at the center of the showdown between the Republican congressional majority and the Democratic minority that led to the government shutdown that began Oct. 1.

Still, most exchange carriers are entering new states and counties for the 2026 plan year. The open enrollment period spans Nov. 1-Jan. 15 in most states.

Health insurance companies finalized their exchanges plans for 2026 this month after several rounds of back-and-forth with state regulators.

This is where five major health insurers will participate in the exchanges for 2026.

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