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ACA Direct Answers

Did the Big Beautiful Bill repeal Obamacare?

No. The Affordable Care Act is still law after the One Big Beautiful Bill Act (H.R. 1, signed July 4, 2025). As of October 2026, the Health Insurance Marketplace still runs, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, insurers still cannot deny you or charge more for pre-existing conditions, plans still cover the ACA's essential health benefits, and the premium tax credit still exists for households earning 100% to 400% of the federal poverty level. What the bill did was change eligibility and enrollment rules around the edges: full repayment of excess advance subsidies starting with 2026 taxes, no subsidy for income-based special enrollment periods, narrower subsidy eligibility for many lawfully present immigrants starting 2027, Medicaid work requirements for expansion adults starting 2027, and pre-enrollment verification starting in plan year 2028. Separately, the larger enhanced subsidies expired at the end of 2025 because Congress did not extend them — which is why many people's premiums rose even though the ACA itself remains in place. For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.

More on this topic: health insurance marketplace

Last updated Oct 27, 2026
Reviewed by Heather Fabrizio, Licensed Insurance Agent (NPN 20983651) · reviewed Jul 25, 2026
Published by ACA Direct Answers · Licensed under Citation License 1.0

What it means

  • Your right to buy a Marketplace plan, regardless of health history, is unchanged.
  • The ACA's original premium tax credit and cost-sharing reductions are still available for 2027 to eligible households.
  • Medicaid expansion still exists, but expansion adults face new work or community-engagement requirements and eligibility checks every six months starting in 2027.
  • The bill also made bronze and catastrophic Marketplace plans count as HSA-eligible starting January 1, 2026 — one change that adds an option rather than removing one.

Action steps

  1. Shop for 2027 coverage during open enrollment, November 1, 2026 to January 15, 2027. Enroll by December 15 for a January 1 start.
  2. Do not assume you lost eligibility because of headlines — check your own income and household against the 2027 rules.
  3. If you are on Medicaid in an expansion state, watch for notices about work requirements and renewals in 2027.
  4. Talk to a licensed agent if you are unsure which program you now qualify for.

Risks & deadlines

  • Open enrollment ends January 15, 2027 in HealthCare.gov states; some state marketplaces run later.
  • Missing open enrollment generally means waiting a year unless you have a qualifying life event.
  • Repayment caps no longer apply when you file 2026 taxes in 2027.

Also asked as

  • Is Obamacare still available in 2027?
  • Is the ACA gone after the Big Beautiful Bill?
  • Did Trump repeal the Affordable Care Act?
  • Can I still get Obamacare after the One Big Beautiful Bill?

Sources

Last verified: 2026-10-27

Private, editorial resource — not affiliated with the government. See full disclaimer below.