exchange

WASHINGTON — People heading into the Affordable Care Act open enrollment period with plans to sign up for insurance should expect a variety of changes in 2027, including higher premiums and fewer coverage options.

The sign-up window for the marketplace, also known as Obamacare, started Sunday in most states and runs through Jan. 15.

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.

Across the board, healthcare experts predict less coverage and higher prices, with the average price of health insurance purchased through the marketplaces expected to rise by 13% in 2027, according to analysis of new CMS data by the healthcare research nonprofit KFF.

Increases are driven by multiple factors

Cynthia Cox, a vice president and director of the ACA program at KFF, said the increase is primarily driven by rising healthcare costs, hospital market concentration, and potential factors such as the No Surprises Act, which took effect in 2022 and bans surprise billing, or the rising availability of GLP-1 drugs.

The people who will be most affected by the new increases are those who do not qualify for a subsidy.

“They may or may not be able to afford to continue to keep their coverage into next year,” Cox said, adding that “a lot of them have already moved into bronze plans, which are the cheapest plans.”

A CMS fact sheet about open enrollment that was distributed Friday says, “Americans using HealthCare.gov will have robust access to low-cost plans.”

The price of ACA insurance has skyrocketed for many people during President Trump’s second term after Republicans opposed extending COVID-era subsidies that had helped offset the costs of health insurance for most enrollees during the Biden administration.

That resulted in 1.2 million fewer people signing up for coverage in the exchanges.

Falling number of enrollees

As of February, roughly 19.2 million people in the United States were actively enrolled in ACA marketplace health plans, according to the Department of Health and Human Services website. The number of enrollees grew during the COVID-19 pandemic when enhanced subsidies became available through the American Rescue Plan Act and Inflation Reduction Act, both signed into law by President Biden.

New regulations starting in 2027 will also limit tax credits for certain lawfully present immigrants, which could result in an additional 1 million uninsured individuals over time.

Meanwhile, the Trump administration has been removing ACA enrollees from the program as part of the ongoing campaign against what it characterizes as waste, fraud and abuse.

In September, Vice President JD Vance and other officials in the Republican administration announced plans to remove 760,000 ACA enrollees from public healthcare exchanges, alleging the individuals were fraudulently enrolled in the program or simply did not exist.

Vance said the discovery and canceled subsidy payments for hundreds of thousands of people from the exchanges, part of an administration-wide crackdown on alleged fraud, would result in $2.2 billion in cost savings.

It’s unclear how many more people will drop off of ACA coverage in 2027, Cox said. But with higher premiums, immigration eligibility changes and the anti-fraud efforts, “I think there’s going to be fewer people enrolled in this market, but it’s going to be harder to understand why.”

Hussein writes for the Associated Press.

The New York Knicks celebrated their NBA championship Tuesday night at Madison Square Garden, yet hardly anything went according to plan. And LeBron James found himself smack dab in the swirl of the fierce and funny festivities.

James made his Philadelphia 76ers debut memorable, helping his new team defeat the Knicks, 106-100. Asked by NBC sideline reporter Zora Stephenson if he was enjoying spoiling the Knicks’ ring night, James grinned and said, “Yeah, I do. It’s pretty special.”

Last seen in Los Angeles bidding a hasty farewell after eight seasons with the Lakers — Times columnist Bill Plaschke wrote that “He left before the door could hit him in the butt” — James, 41, began his 24th NBA season by contributing 14 points, nine rebounds and seven assists in the 76ers’ victory.

LeBron James of the 76ers exchanges words with fans during a regular-season opener against the Knicks at Madison Square Garden.

(Sarah Stier / Getty Images)

And James did so even while jawing with courtside Knicks fans about using a helicopter to commute from his new home in New York to Philadelphia. Of course, famed director and Knicks fan fixture Spike Lee couldn’t stay out of it.

“Hey, LeBron, just because you have a helicopter and you live in New York doesn’t mean we’re gonna cheer for you,” one fan yelled, according to NBC broadcaster Mike Tirico. Another fan dinged James for being soft simply because he lived in L.A. for so long.

James couldn’t let that one go, yelling back, “Ain’t nothing soft in the Midwest. I don’t know what the f—- you talking about. I’m not from the West Coast, I’m from Ohio, baby.”

Lee, resplendent in a bright orange and blue pinstriped suit with matching hat, stood from his front-row seat, seemingly serving as conciliator. Much of the exchange was caught on camera by NBC, with Tirico and fellow broadcaster Reggie Miller providing commentary.

“[James] said hello to somebody over here,” Tirico said. “Spike Lee is over for a look and a chat. … LeBron is taking the helicopter rides back and forth from Philadelphia to New York and engaged here in some front-row convo.”

Miller chimed in, “That’s the last thing you wanna do is get LeBron going here in this building…. And guess who’s playing peacemaker? Spike Lee! He’s over here playing peacemaker. Boy, I have seen everything.”

Fanatics is supplying James with the helicopter as part of a multiyear, exclusive trading card and collectibles contract signed in 2024. Although the deal raised the antenna of investigative reporter Pablo Torre — who won a Pulitzer Prize for uncovering the Clippers’ salary-cap circumvention with Kawhi Leonard — NBA commissioner Adam Silver called the helicopter arrangement “perfectly appropriate.”

LeBron James performs a pregame ritual before the game against the New York Knicks at Madison Square Garden.

(Caleb Bowlin / Getty Images)

Silver was at Madison Square Garden on Tuesday night. The Knicks celebrated their first NBA championship in 53 years with a ring ceremony and raising a banner to the rafters. They did their best to laugh off a typo on the T-shirts fans received that proclaimed the team as the 2026-2027 champions.

Despite the testy exchange with fans and enduring their “We don’t want you” chant while he shot free throws, James softened what he had said to Stephenson, sidestepping a suggestion by a reporter that the 76ers ruined the Knicks’ celebration.

“I wouldn’t say that,” James said. “It was a great night for New York fans. Fifty-plus years. I was a part of that at one point where we hadn’t won a major championship in Cleveland in over 50 years. The fans will never forget this moment.”

It seems Chet Hanks, son of Tom Hanks and Rita Wilson, is still in his feels over Eric André’s recollection of his zany and “dangerous” appearance on “The Eric Andre Show.”

Hanks, who became an internet personality in recent years for boasting his Jamaican accent at the 2020 Golden Globes red carpet and unironically coining the phrase “White Boy Summer,” seemingly reignited his feud with André when he confronted the Emmy winner during ComplexCon in Los Angeles over the weekend. On Tuesday, Hanks posted video of himself approaching André and his security team at the event and exchanging some words with the comedian.

It’s unclear what the two men say to each other but Hanks appears to bring up an issue to André who seemingly shrugs it off at first. The conversation seems to turn tense when Hanks speaks face-to-face with André and security personnel block the view. The video concludes with André and his securtiy walking away from Hanks and his posse. In the caption to his video, Hanks said André “had NO MEMORY WHATSOEVER of trashing me to the media after I outshined him on his own show!!”

Representatives for André did not immediately respond on Wednesday to a request for comment.

The tension between Hanks and André could be traced to a March 2023 interview with Rolling Stone in which the comedian called Hanks “emotionally disturbed” and shared details about his guest spot on “The Eric André Show.”

“He stole a motorcycle and rode it around. He almost knocked a bunch of grips and gaffers off their ladders,” André recalled in 2023. “It was very dangerous. He tried to prank us back, but we edited out all his b—! He’s not well. How did Colin Hanks come out so good and Chet Hanks come out so bad?”

Shortly after the interview, Chet Hanks responded to André by claiming he was just attempting to “match [the] energy” of the “weird, outlandish” series. “The Eric André Show” began in 2012 and is the origin for a number of viral memes and sketches and unhinged celebrity moments. Of course, “The Eric André Show,” a parody of late-night talk series, always begins with its eponymous host wrecking his set in the most chaotic manner.

In 2023, Hanks called André a “straight b—.” The comedian swiftly fired back, calling Hanks a “f— liar” and dared Hanks to take a “DNA test and prove that Tom Hanks is his f— father.”

After the weekend confrontation, Hanks said that André ultimately “admitted” the feud began “because he had a problem with me ‘mocking Caribbean culture’ when I did my Jamaican accent all those years ago.” Hanks, who is white and was born in Los Angeles, resurfaced to public consciousness in 2020 when he — unprompted — introduced himself at the Golden Globes red carpet with his impression of Jamaican Patois. His father, the prolific actor beloved for roles in “Saving Private Ryan,” “Forrest Gump” and “Toy Story,” received the Globes’ Cecil B. Demille award later that evening.

“WHO KNEW that in addition to the brain rot and poop joke humor he is known for, Eric is also such a passionate cultural activist!!! Great running into you Eric!!!!,” Hanks, who has repeatedly used and defended the N-word on social media, sarcastically ended his caption.

André, who is Black, has long been a vocal social and cultural activist. The “Street Fighter” actor over the years has spoken out against Israel’s war in Gaza and has used his platform to address racism and police brutality.

This summer André, alongside fellow comedian Clayton English, settled a racial profiling suit against Clayton County police in Georgia. The comics were both allegedly racially profiled and subject to “unconstitutional” stops by Clayton County police at Hartsfield-Jackson International Airport in 2021. The stops were part of a police program intended to combat drug trafficking. The Associated Press reported that the settlement “does not include an admission of fault or liability on the county’s part but says the county has ended the program at issue and has no intention of reactivating it.”