Episode Details

Obamacare enrollment plummeted across 49 states this year, largely because Congress let pandemic-era federal subsidies expire, making coverage unaffordable for many. New Mexico was the only state to buck the trend—thanks to its own state funding keeping plans affordable. While some in the Trump administration blamed “phantom enrollments,” health policy experts at KFF say the real culprit is the loss of subsidies, which previously made plans ultra-cheap and drove massive sign-ups. Fraudulent enrollments? Likely in the hundreds of thousands, not millions. States running their own exchanges saw smaller drops, while federal marketplaces fell 15%. New Mexico even saw a 14% increase. Ohio and Oklahoma saw 32% drops. With insurers still deciding whether to stay and premiums poised to jump, coverage options may shrink next year.

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