If you have ACA Marketplace health insurance, there is some news this week that I think you should pay attention to.
The Trump administration announced that more than 760,000 people have lost their Marketplace coverage. About 315,000 enrollments were canceled on August 31.
According to CMS, the agency and insurance companies reviewed these enrollments and determined they were unauthorized.
But this may not be the end of it.
CMS says it plans to continue reviewing Marketplace enrollments and canceling coverage it determines was unauthorized.
So, if you currently have Marketplace insurance, this is probably a good time to make sure everything with your coverage is in order.
Why Did 760,000 Lose ACA Coverage?
According to the Trump administration, the cancellations are part of an effort to address fraud and improper enrollment within the ACA Marketplace.
CMS says it has found unauthorized enrollments and suspicious activity involving some agents and brokers. The administration estimates these latest cancellations will result in about $2.2 billion in returned subsidies.
Reuters reports that the administration has also raised concerns about unverified citizenship or immigration information and suspected improper enrollments.
CMS is taking action against agents and brokers as well. According to the agency, more than 200 have received termination notices since January 2026.
The important thing to remember is that these are the reasons the Trump administration has given for its actions.
Could More People Lose Their Coverage?
This is the part I think Marketplace consumers should pay close attention to.
CMS has made it clear that its review is continuing. The agency says it will keep working with insurance companies to identify potentially unauthorized enrollments.
That doesn’t mean your coverage is going to be canceled.
However, with hundreds of thousands of policies already affected, I wouldn’t simply assume everything is fine without checking.
There is also the possibility of mistakes. With an effort this large, consumers should pay attention to notices they receive and make sure their Marketplace information is accurate.
If your coverage is canceled or changed unexpectedly, you don’t want to discover it when you’re standing at the pharmacy or trying to see your doctor.
Take a Few Minutes to Check Your Marketplace Coverage
If you currently have ACA Marketplace insurance, I recommend logging into your HealthCare.gov account.
Check your current plan and make sure your coverage shows as active. Review your household members, income and contact information.
Also check any notices in your account.
If you worked with an insurance agent, make sure you recognize the agent associated with your application. You should know who has access to your information and who is making changes on your behalf.
And don’t ignore letters or emails concerning your Marketplace coverage. If you don’t understand something, ask questions.
2027 Open Enrollment Is Getting Closer
All of this is happening just weeks before the 2027 Marketplace Open Enrollment period begins.
There are additional Marketplace changes coming for 2027, including changes that affect consumers and insurance agents.
I’ll be covering those changes in upcoming articles.
For now, my advice is simple: know what is going on with your health insurance.
Sources
Centers for Medicare & Medicaid Services (CMS): Federal Marketplace (FFE and SBE-FP) Anti-Fraud Actions, September 22, 2026.
Reuters: US says it canceled Obamacare policies for 760,000 people last month, September 22, 2026.
