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Final 2026 Open Enrollment Report: Household Income (100 - 200% FPL)
Turning to the 100 - 200% FPL range, 64% of all exchange enrollees fall into this income range (up slightly from 63% last year). That's ~14.8 million people total, with ~10.7 million earning 100 - 150% FPL and the remaining ~4.1 million earning 150 - 200% FPL. The vast majority of those in the first bracket (and most of those in the second) should be enrolled in Silver plans since they're eligible for generous CSR assistance which boosts Silver plans up to "Secret Platinum" status: If they earn up to 150% FPL Silver plans have a 94% Actuarial Value; if they earn 150 - 200% FPL Silver is boosted to 87% AV. In layman's terms, High CSR Silver plans have either free or extremely low premiums along with extremely low deductibles & co-pays. Unfortunately, only 9.85 million enrollees chose Silver this year...and even then, not all of them are in the 100 - 200% FPL range, which means there's quite a few who left hundreds or thousands of dollars in financial assistance for out of pocket costs on the table...except that with the enhanced federal tax credits having expired, many of these folks may have had no choice due to the increase in their premiums. Put another way, getting a Ferrari for the price of an Audi doesn't do you much good if all you can afford is a Sentra.