As 2026 began, District of Columbia residents and small businesses were navigating a shifting health insurance landscape, characterized by significant premium increases and a newly launched, no-cost, no-deductible coverage option.
For residents who relied on the Affordable Care Act (ACA) marketplace, this year brought a mix of challenges and, for some, new, more affordable solutions.
According to data reported by the Washington Post, many Americans could face the largest annual premium increases in recent years, with some paying double or even triple in 2026 if federal health care tax credits are not renewed.
While DC regulators have worked to soften the blow — with the Department of Insurance, Securities and Banking (DISB) reducing some 2026 proposed rates to save residents over $1.2 million — the impact of federal policy changes remains a major factor.
To address the rising costs of traditional private plans, DC Health Link introduced the Healthy DC Plan for 2026. The Healthy DC Plan is quality health coverage for DC residents who qualify. There are no monthly payments and no costs when you get care.
This initiative aims to assist residents — particularly those losing Medicaid eligibility — by providing a coverage option with no premiums, no copays and no deductibles. This new option is a key part of the city’s effort to maintain its high coverage rate (over 97% of residents are currently insured) and provide relief, especially for those losing Medicaid or needing more affordable alternatives to commercial plans.
While the main open enrollment for the 2026 plan year ended on Jan. 31, 2026, DC Health Link extended the deadline to allow more time for residents to secure coverage. For those seeking to compare plans, the “Plan Match” tool on DCHealthLink.com can determine eligibility for lower premiums in less than 60 seconds.
DC Health Link is governed by the DC Health Benefit Exchange Executive Board appointed by the Mayor and confirmed by the District of Columbia Council. The professional staff is led by Executive Director Mila Kofman, J.D. The mission of the DC Health Benefit Exchange Authority is to implement a health care exchange program in the District of Columbia in accordance with the Affordable Care Act (ACA), thereby ensuring access to quality and affordable health care to all DC residents.
Disclaimer: Information regarding premium rates, subsidies, and enrollment deadlines is subject to change based on federal legislative action and local DC Health Link decisions. Check the official DC Health Link website for the most up-to-date information.