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Five changes to know as Affordable Care Act open enrollment begins

Across the board, healthcare experts predict less coverage and higher prices (Getty/iStock)

The Affordable Care Act open enrollment period has begun across most states and runs through January 15, with enrollees facing higher coverage costs and fewer available plan options.

Health insurance premiums on ACA marketplaces are projected to increase by an average of 13 percent in 2027, driven by rising medical costs, hospital concentration, and the expiration of pandemic-era subsidies.

Big changes to the exchange include expiring financial assistance, rising rates, potential delays in working with a broker, new restrictions on immigrants, and stricter enrollment checks.

Financial help, including premium tax credits and cost-sharing reductions, is now restricted for many groups of people who were previously eligible.

Healthcare analysts predict overall enrollment in ACA health plans will…