If you’re selling ACA health plans, it’s a great time to be in the game. For the fourth year in a row, ACA Marketplace enrollment has shattered records—hitting 24.3 million enrollees in 2025! That’s more than double the number from 2020.
Let’s break down the numbers and what they mean for you as an agent.
Thanks to the enhanced subsidies introduced by the American Rescue Plan Act (ARPA) in 2021 and extended through 2025 by the Inflation Reduction Act (IRA), ACA plans have become far more affordable and accessible.
Since 2020:
Marketplace enrollment is up by 113%.
That’s 12.9 million more people choosing ACA coverage.
20 states have seen their ACA enrollments more than double.
If you’re working in Texas, Mississippi, West Virginia, Louisiana, Georgia, or Tennessee, your market is booming! These states have seen enrollment growth of over 200%.
Even more interesting? 88% of enrollment growth since 2020 came from states that went red in the 2024 election. Many of these are states with:
High uninsured rates
No Medicaid expansion
Huge untapped markets for ACA plans
Let’s be real—affordability sells. These enhanced tax credits:
Lower premiums by an average of $705 per year
Extend savings to middle-income consumers
Help you close more sales with less resistance
But here’s the kicker: These credits expire at the end of 2025 unless Congress renews them. If they’re not extended:
3.8 million people could lose coverage
Premiums will spike
Healthy enrollees may exit the market
Translation: There’s urgency to act now and build strong client relationships while the benefits are hot.
If you’re not already selling ACA plans, you’re missing out on the biggest growth opportunity in health insurance. With the market swelling and premium subsidies at all-time highs, now’s the time to step in, sharpen your strategy, and help more people find affordable care.
At PSM Brokerage, we make it easy to tap into the ACA gold rush. From training and certification support to marketing tools and lead programs, we give you the blueprint to thrive in this booming market.
👉 Ready to grow your ACA business?
Work with PSM Brokerage today! Let’s turn these record numbers into your record year.