No. The ACA marketplace still exists. What changed is that the enhanced premium subsidies expired on December 31, 2025, so many people's marketplace premiums went up substantially in 2026. That's why more shoppers now compare private year-round plans alongside ACA options.
It depends mainly on subsidy eligibility and health. If your income qualifies you for meaningful ACA savings or you need guaranteed-issue coverage for pre-existing conditions, ACA may fit best — but you generally must wait for Open Enrollment (Nov 1 – Jan 15 in most states) or a qualifying life event. If you don't qualify for big subsidies and are reasonably healthy, private year-round plans are often less expensive and can start now. A licensed agent compares both for you, free.