Health insurance papers and stethoscope Without the ARP subsidy enhancements, some of those who continue to have coverage will be forced to switch to a less-robust plan in order to afford their premiums — or cancel coverage altogether.

Open enrollment for individual and family health coverage begins in just a few months, and will give millions of Americans the chance to sign up for 2023 ACA-compliant health coverage. But the affordability of 2023 ACA plans remains a huge question mark for consumers because we still don’t know whether Congress will extend the American Rescue Plan’s (ARP) premium subsidy enhancements, which are currently set to expire at the end of 2022.

Related: End to ACA tax credits could leave 3 million uninsured

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