Insurance broker cautions about increased premiums as ACA enrollment period starts

MILWAUKEE, Wis. — Free Counseling for High Health Insurance Premiums

Wisconsin residents struggling with the rising health insurance premiums under the ACA Marketplace can access free counseling services. The open enrollment period for the Affordable Care Act starts on November 1, and many Americans are bracing for increased premiums as they log into their health portals. The Centers for Medicare and Medicaid Services predicts that over 24 million Americans will be enrolled in the marketplace by 2025.

Insurance brokers have raised concerns about these premium hikes coinciding with the open enrollment period.

There’s a deadline approaching, as expanded subsidies that help with ACA premiums might end this year unless Congress agrees on an extension. These increased subsidies, also referred to as the enhanced insurance premium tax credit, have been effective since 2021.

While Democrats are pushing to extend these tax subsidies, some Republicans are less enthusiastic about the idea. Chris McArdle, the president of MKE Benefits, a local insurance broker, expressed hope for a compromise. “It would be nice if it turned out like this. [Republicans and Democrats] Everyone will be able to come up with something they can live with,” he said.

In Wisconsin, more than 310,000 individuals secured health insurance through the ACA Marketplace in 2025. Recently, the Wisconsin Insurance Commissioner’s Office published forecasts for insurance premium increases in 2026 based on various criteria like age and household size.

McArdle noted that removing the subsidies would be a significant change. “There are going to be people who are going to pay hundreds of dollars, maybe more, even $1,000 more than they would have in 2025,” he stated.

For those covered by the ACA in Wisconsin, seeking free expert advice is recommended to find the most suitable health care plan. McArdle emphasized that while they might not lower the costs, they could help individuals better understand their options.

Along with MKE Benefits, the City of Milwaukee Health Department provides free counseling as well. Residents can call 414-286-6800 to schedule a consultation or visit their website for more information.

Milwaukee City Health Commissioner Mike Totraitis characterized the current situation as “pretty unprecedented,” mentioning that without federal funding for grants, many people may struggle to navigate their options effectively. She suggested that consumers might need to consider less comprehensive plans at this time, highlighting that each person’s health requirements vary.