Students move into the new West Grove Commons dorms at San Francisco State University, which opened in fall 2024.
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Courtesy San Francisco State University
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Topline:
As housing costs and availability continue to challenge students, the California State University system is expanding on-campus housing to address affordability and boost student success.
Expanding to meet needs: Rising housing costs are forcing many California State University students to choose between long commutes or unaffordable rents. With more than 22,000 new beds added or planned, CSU is ramping up efforts to expand on-campus housing and reduce homelessness.
Big plans, bigger questions: CSU’s push to add more dorm beds could ease the crisis, but uneven campus demand and pending legislation for a 2026 bond will shape how far those plans move forward.
Dorm life at Sacramento State University suited Sofia Gonzalez. Living on campus her first year, most classes were a 10-minute walk away. Most of her closest friends lived in the same residence hall. “Everything,” she said, was “right there.”
But this summer, as she prepared to start her sophomore year, friends who applied for university housing warned Gonzalez they had been placed on a wait list.Daunted by the limited supply of upperclassmen dorms — and most of all, the cost of on-campus rent — Gonzalez opted to try the private market instead. “There was nowhere I could live in my price range near campus,” said Gonzalez, a business and marketing major. She contemplated transferring to a community college or commuting two hours each way from her parents’ Bay Area home to Sacramento.
Housing can be a major barrier for low-income students like Gonzalez around the California State University system, which includes Sacramento State and 22 other campuses. Recent estimates have found that housing accounts for half the cost of attendance at CSU, and that 11% of CSU students surveyed experience homelessness or housing insecurity.
That reality is one reason why CSU added more than 17,000 new beds between 2014 and 2024. About 5,600 more are either under construction or approved to be built. The investments in housing are giving CSU a more residential flavor, even as many campuses maintain their long-standing dependence on commuters.
Now the question is whether CSU should build even more housing, especially in hot real estate markets where students struggle to find off-campus alternatives. A systemwide housing plan issued by CSU in July sketches potential projects that could house an additional 12,600 students as soon as 2030.
CSU officials say on-campus housing improves students’ graduation rates and could ease housing pressures for Cal State’s 460,000 students, 87% of whom still live off campus with their families or otherwise.Future housing development could be uneven based on current enrollment trendsacross the system, which have left empty dorms at a handful of Cal State campuses, while others rework double-occupancy rooms into triples to meet growing demand.
At the same time, state lawmakers are weighing a potentially hefty 2026 bond measure for student housing and other educational facilities at CSU, the University of California and the California Community Colleges system. Supporters say the measure, which has yet to determine a dollar amount, could help make college more affordable for low-income students.
“To make sure students are successful in their learning, they’ve got to be able to have stable housing,” Assemblymember David Alvarez, D-San Diego, who introduced the legislation, said at a hearing on Assembly Bill 48.
At Cal State Northridge, which plans to open a new 198-bed housing complex this fall, 2,000 students were on a waiting list for housing in fall 2024, CSU data show. Kevin Conn, the university’s executive director of student housing and residential life, said his colleagues field regular calls from students desperate for student housing. “Their stories are really, really heart-wrenching, because we can only do so much,” he said. “We can’t just put them in; there’s no spot to put them.”
Sacramento State has faced a similar conundrum. Last fall, there were more than 4,400 students who requested to live in campus housing, but fewer than 3,300 beds were available. The campus plans to house hundreds of additional students in the coming years.
In the meantime, Gonzalez’s frantic housing search ended off campus. She found a room 30 minutes from campus for $800 a month — within her budget, but expensive enough that she will likely need a second job to afford rent and groceries. “It’s going to be hard this next year to manage my money,” she said.
A push into housing at CSU
California State University has a long history of serving predominantly commuter students, though the university system has made major investments in student housing over the past two decades. Federal data showCSU has almost doubled its capacity to house students since 2004.
CSU’s housing program nonetheless continues to trail the University of California system, which today houses 40% of students. That’s more than 120,000 students in UC housing compared to roughly 60,000 across CSU. A majority of students in both systems live off campus.
CSU argues that adding more university housing will boost students’ academic performance. Officials point to evidence from San Diego State University, which found students living on campus had higher graduation rates and grade point averages as well as lower rates of academic probation compared to their off-campus peers. Researchers have documented similar positive effects in otherstates, too.
San José State University’s Spartan Village on the Paseo converted an existing hotel into student housing. Credit: San José State University/Robert Bain
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Robert Bain
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San José State University
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Another concern is cost. University officials said they strive to keep student housing affordable relative to peer institutions and nearby market-rate units.
In 2024, the CSU-wide average rate for a two-person unit in a residence hall was $9,668 over an academic year. Cal Poly Humboldt hosted the cheapest doubles, charging $6,624 on average, while San Diego State’s $14,344 average was the system’s most expensive.
Such financial constraints are top of mind for Kamran Garcia Hosseinzadeh, a recent graduate and resident assistant of Cal State Dominguez Hills. CSUDH plans to add hundreds of additional beds to campus by 2026, but Garcia Hosseinzadeh is skeptical that the university has the capacity and the funding to operate expanded housing. “I definitely don’t feel confident with the future of housing here,” they said.
Declining enrollment at some CSU campuses adds to the financial uncertainty. Systemwide, 92% of student housing is filled, but at shrinking campuses like Sonoma State University and CSU East Bay, where only 64% and 58% of housing, respectively, was occupied in fall 2024.
Another Cal State campus has struggled to recover from a pandemic-era downturn in housing occupancy. Auditors reported that years of operating losses in Cal State L.A.’s housing program are depleting its reserves. Occupancy has dropped to as low as 60% in recent years, auditors said, and student housing required “unanticipated emergency repairs.” Responding to the audit, Cal State L.A.’s director of housing wrote that the university had taken “sweeping corrective measures” to improve campus housing.
University officials at other Cal State campuses said they’re confident there is room to grow on their campuses, despite warnings of an impending decline in traditional college-aged students. Even if student headcount plateaus, they said, housing wait lists and other metrics suggest untapped potential to bring students who are forced to search for off-campus housing into on-campus dorms.
An experiment in San Luis Obispo
With almost 9,000 on-campus beds, Cal Poly San Luis Obispo is the housing heavyweight of the Cal State system.A large majority of the university’s students are from outside county lines, so many of the roughly 14,000 students living off campus spill into residential neighborhoods, where their sheer numbers threaten to drive already expensive rents even higher.
The housing market near the Central Coast campus is so pricey — average rent is 31% higher than the national average, according to Zillow Rentals data — students on a budget sometimes lease less-than-ideal accommodations.
Jordan Schleifer, a recent graduate who led several housing-related initiatives while vice president of Cal Poly Democrats, said many such dwellings lack basic safety fixtures like fire escapes or working smoke detectors. “It creates a situation where students are living in unsafe conditions and they can’t be fixed because they don’t want to lose the housing,” Schleifer said.
And enrollment-wise, San Luis Obispo’s master plan projects that the student headcount will increase from 22,400 in fall 2024 to 25,000 by 2035.
A rendering of a modular student housing project planned for Cal Poly San Luis Obispo.
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FullStack Modular
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Financial limitations have forced San Luis Obispo’s leaders to get creative. Eager to save on construction costs — and to avoid passing those costs onto students — the university has converted some double-occupancy dorms into triples.
But the university’s most ambitious experiment is just starting. Next fall, the university will install the first in a series of modular, factory-built housing units, aiming to add as many as 4,000 beds over several years. Housing modules will get trucked to campus and then “stacked on top of each other like Legos,” said Mike McCormick, the university’s vice president of facilities management and development.
The hope is that as the factory starts producing modules at scale, the cost to produce each one will dropbelow traditional on-site construction. “We’re a long way from having this be a really efficient process yet, but you have to start somewhere,” McCormick said.
Lawmakers weigh student housing policy
Reports of college students living in their cars and surveys revealing the scale of student homelessness have prompted state lawmakers to take a more aggressive approach to student housing in recent years.
Typically, CSU finances housing by issuing bonds. But California lawmakers took a more active role in 2021 when they established a $2.2 billion grant program to help fund housing across CSU, UC and community colleges.
A dozen projects at CSU have been named grant recipients to date. Altogether, the projects are expected to add 5,000beds to campuses from Cal Poly Humboldt to San Diego State. The grants provided about $660 million, which was nearly half the cost of 12 CSU projects, while the system provided the rest.
Some of that housing is now open to students. That includes a 729-bed project at San Francisco State University and San José State University’s Spartan Village on the Paseo, which converted an existing hotel into student housing.
Students move into San Francisco State’s new West Grove Commons residence hall.
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Courtesy San Francisco State University
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Now that the state grant funding has been awarded, advocates, including the Student Homes Coalition, have turned their attention to a bill aimed at spurring more off-campus housing by creating “campus development zones,” where the review process for housing development projects would be streamlined.
The other option, the state facilities bond AB 48, passed the Assembly and is currently in the Senate. Details, including a dollar figure, would be finalized in spring 2026 in hopes of putting the bond on the November ballot.
“The decision to send someone to college or not can literally depend on whether there’s affordable housing for them in those communities,” Alvarez said. “And so we want to make sure that there is something there, throughout our state, for families who want to send their kids to college.”
EdSource is an independent nonprofit organization that provides analysis on key education issues facing California and the nation. LAist republishes articles from EdSource with permission.
The chemical tank at the GKN Garden Grove aerospace facility.
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Allen J. Schaben/Los Angeles Times via Getty Imag
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Los Angeles Times
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Topline:
On Monday clean up begins for two tanks of neutralized methyl methacrylate at the center of last month’s chemical incident in Garden Grove.
The backstory: About 50,000 Orange County residents were evacuated for several days after one of the tanks overheated on May 21, generating fears of an explosion or a leak through the Memorial Day weekend.
What's next: The cleanup will be done in phases. This phase wraps Thursday, July 2.
A hazardous materials team will begin working Monday to remove neutralized methyl methacrylate from two of three tanks at the GKN aerospace facility in Garden Grove.
Some 50,000 Orange County residents were evacuated for several days last month after one of the tanks overheated on May 21, causing fears of an explosion or a leak through the Memorial Day weekend.
The clean-up will be done in phases, until Thursday, “with multiple layers of safety protocols and oversight measures in place,” according to a press release from the Orange County Health Care Agency.
Garden Grove chemical cleanup
Updates on the cleanup activities will be posted publicly here, including air monitoring data.
Containers that support temperature control and secure transportation will be used in the operation.
Cleanup was initially scheduled to begin June 4, but was postponed after officials said "needed resources" were unavailable.
Orange County District Attorney Todd Spitzer launched an investigation into the incident last month. The FBI and Environmental Protection Agency also seized evidence at the facility earlier this month.
Methyl methacrylate produces a fruit-like odor, Orange County Health Care Agency said residents may notice the scent during the operation. The agency said levels will remain below thresholds that could pose health risks.
Officials say environmental protection will be in place throughout the week. Air will be continuously monitored through both mobile and fixed equipment at the fence line of the facility and in the community. Air and odor monitoring based on wind conditions will also be done. Work will occur only during the daylight hours until Thursday.
Incarcerated people study to take the G.E.D. exam at San Quentin State Prison on July 26, 2023.
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Semantha Norris
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CalMatters
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California prisons are limiting access to programs for incarcerated people as the system manages it overtime budget. The state spends about $18 billion a year on corrections.
Why now: The rollback began earlier this month and will end June 30, according to documents obtained by CalMatters. Corrections spokesperson Terri Hardy described the limitations as a “cost-saving measure.” The department’s overall budget has remained about flat since 2022 around $18 billion a year despite recent cuts that include five prison closures.
The backstory: Lawmakers at budget hearings earlier this year pressed Corrections Secretary Jeff Macomber to tighten spending as the department asked for additional $91 million in ongoing funding to cover unbudgeted personnel costs. The department last month also proposed an additional $100 million in workers compensation.
Read on ... for more on how these cuts will affect programs in the prisons.
The California Department of Corrections and Rehabilitation is restricting access to rehabilitative programming for incarcerated people as it clamps down on overtime spending before the end of its financial year.
Hundreds of rehabilitative programs operate throughout California prisons, including restorative justice, violence prevention, higher education, creative arts expression and entrepreneurial training.
The rollback began earlier this month and will end June 30, according to documents obtained by CalMatters. Corrections spokesperson Terri Hardy described the limitations as a “cost-saving measure.” The department did not respond to a detailed list of questions, including which prisons and programs have been affected.
The department’s overall budget has remained about flat since 2022, around $18 billion a year despite recent cuts that include five prison closures.
Lawmakers at budget hearings earlier this year pressed Corrections Secretary Jeff Macomber to tighten spending as the department asked for additional $91 million in ongoing funding to cover unbudgeted personnel costs. The department last month also proposed an additional $100 million in workers compensation.
Tony Tafoya, who’s been incarcerated since 2012, said he’s never seen anything like this happen before. Tafoya said the scale-back has had the biggest impact on college classes. He’s currently enrolled in Mount Tamalpais College at San Quentin but said his math class has missed out on 12 days of instruction.
“I feel like I’m falling behind,” he said. “There’s a lot of healing that comes from going to school. It provides humanity. It makes me feel like I’m actually seen as a person. I feel like that’s what’s being missed out on.”
Programs at Pleasant Valley State Prison in Coalinga have also been interrupted, including a civic education pilot program. The program, run by the organization Initiate Justice, includes just over a dozen incarcerated people who helped draft legislation to improve social emotional learning in the K-12 school system. Assembly Bill 1851, authored by Democratic Assemblymember Mike Gipson from Gardena, is sailing through the Legislature and scheduled for an upcoming education committee hearing Wednesday.
Antoinette Ratcliffe, executive director of Initiate Justice, said the group “thrives off of active and live discussion, off of meaningful exploration.” The severing of that connection disrupts the learning experience and practical application of the programming, she said.
“We have made it a goal across the Legislature to make rehabilitative programming a priority, so to continue to see disruptions like this feels counter to what we agreed upon as a state,” she said. “It feels like a let down.”
Other advocates have echoed those sentiments. Danica Rodarmel, a criminal justice reform lobbyist, said any disruption in people’s ability to access programming impacts their mental health and well being. The completion of a program or certificate, she said, is often a determining factor in people’s ability to be granted parole.
“Limiting people’s ability to engage in pro-social activities is contradictory to the goals of maintaining safe prisons both for the people who are incarcerated but also for the people who work there,” she said.
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Matthew Mealer holds up his targets at the Busch Shooting Range in Weldon Spring, Mo., in May. Mealer said he's generally skeptical of new vaccines but might consider one for Lyme disease if it proves safe and effective.
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Kyle Pyatt
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KFF Health News
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Topline:
Pharmaceutical companies Pfizer and Valneva announced this spring that they plan to seek regulatory approval for a vaccine to protect against Lyme disease. But it's unclear whether this latest stab at a Lyme disease vaccine will get a warmer reception if it's approved, especially in the post-COVID era of vaccine skepticism.
Why it matters: About 476,000 people in the U.S. may be diagnosed and treated for Lyme disease each year, the CDC says. Left untreated, Lyme disease can cause a variety of symptoms, from fevers, chills and headaches to arthritis, shooting pains and inflammation of the brain and spinal cord.
Read on ... to see what rural hunters in Missouri think about the possibility of a vaccine and for their stories of how the disease has affected them personally.
More and more Americans are being exposed to these parasites as climate change expands the range where they can survive. That means more people are also exposed to the bevy of health conditions they can cause, such as Rocky Mountain spotted fever, the alpha-gal-triggered red meat allergy and, most common of all, Lyme disease.
For Lyme disease, there may be some additional protection on the horizon. Pharmaceutical companies Pfizer and Valneva announced this spring that they plan to seek regulatory approval for a vaccine to protect against Lyme disease. A previous vaccine for Lyme became available in the late 1990s but was pulled only three years later due to lawsuits, public fear of side effects and a lack of interest.
It's unclear whether this latest stab at a Lyme disease vaccine will get a warmer reception if it's approved, especially in the post-COVID era of vaccine skepticism.
For a sense of how it might go over with rural populations at high risk of Lyme, KFF Health News spoke with a group of hunters.
Few people spend more time in the woods exposed to ticks. At the same time, as a collective, hunters skew conservative, rural and male, according to a survey from the Theodore Roosevelt Conservation Partnership. And these are identities associated with increased hesitancy about or resistance to vaccines, according to Ashley Kirzinger, associate director for Public Opinion and Survey Research at KFF, a health information nonprofit that includes KFF Health News.
Targets for ticks
Left untreated, Lyme can cause a variety of symptoms, from fevers, chills and headaches to arthritis, shooting pains and inflammation of the brain and spinal cord, according to the Centers for Disease Control and Prevention.
About 476,000 people in the U.S. may be diagnosed and treated for Lyme disease each year, the CDC says. That's at least in part because the range of places where cases have been reported has "expanded significantly" since 1995.
So would hunters get the Lyme vaccine if it became available?
"Given my proclivity for the outdoors, absolutely," said Jess Manganelli, one of seven hunters (and one hiker) who spoke with KFF Health News on a recent Saturday at the Busch Shooting Range in Weldon Spring, Mo., just outside of St. Louis.
Of the eight, Manganelli, who had been hunting turkeys the weekend before, was the most positive about the vaccine. Six others said they would consider it but would want more information about its safety and effectiveness, as well as their risk for contracting the disease.
But Manganelli was the only one who believed she may have previously contracted Lyme disease, although she was never formally diagnosed with it. Two years ago, she experienced muscle weakness, tiredness, fatigue, swelling and headaches after a tick bite, but when she went to urgent care, she was told they didn't test for Lyme.
Nearly all the hunters knew someone who had had Lyme disease — an old roommate, a family member, friends, a former student. Lyme can be difficult to diagnose and to treat and is often misdiagnosed at first. Many of the hunters witnessed their acquaintances navigating those challenges and struggling with sometimes debilitating symptoms.
An illness with lingering effects
That familiarity among the hunters in Missouri was unsurprising to author and conservationist Steven Rinella, host of the hunting show MeatEater.
"I'm a turkey hunter. In talking about turkey hunting, you talk about ticks as much as you talk about turkeys," Rinella said. "Just the nature of turkey hunting puts you into exposure. You're sitting for long periods of time, trying to use vegetation for concealment."
In fact, both Rinella and his older son contracted Lyme disease 13 years ago during a bluegill fishing trip in the Hudson Valley in New York. His son developed Bell's palsy, a sudden paralysis on one side of the face, but recovered quickly after a course of oral antibiotics. Steven Rinella's symptoms, on the other hand, lingered for months, leaving him unable to walk down stairs without a handrail or to ride a bike. He ended up receiving intravenous antibiotic treatments for a month.
"I thought my life had changed," Rinella said, "but I recovered, as far as I know."
That experience is one reason Rinella said he would absolutely consider getting a Lyme vaccine if it proved safe and provided considerable protection against the disease. Unlike with some other diseases, prior infection does not provide permanent immunity, so a person who has had Lyme could still benefit from a vaccine.
Knowledge of similar challenges influenced the thinking of the hunters in Missouri as well.
Jeremy Hollingshead said he may be less inclined to take a vaccine owing to his former roommate's experience with Lyme disease, which is not to say the experience was pleasant. In fact, Hollingshead said he thinks his old pal is still dealing with lingering effects of it 10 years later. But Hollingshead has spent his whole life in the woods, and of hundreds of people he knows who have done the same, he knows of only one of them contracting Lyme.
"I know it was a bad outcome for him," Hollingshead said, but he thinks the odds of getting Lyme himself seem pretty slim.
Meanwhile, Julian Barnes said seeing a relative struggle with Lyme makes him more open to a potential vaccine. It took a long time for doctors to come to that diagnosis, and finding a good treatment has been equally difficult.
"I would say I am vaccine-hesitant, generally speaking," Barnes said. "But Lyme, I've seen the way it affects people in my life. ... I would definitely have to really understand the vaccine, how it works."
An unclear path for a new vaccine
The new, four-dose vaccine candidate technically missed one of the bars set out in trials because not enough participants contracted Lyme. Still, the companies say it's about 75% effective in reducing cases, and they plan to submit it to regulators for approval. A Pfizer spokesperson said there were no updates on their regulatory efforts when contacted by KFF Health News in June.
Health and Human Services Secretary Robert F. Kennedy Jr. was a noted anti-vaccine activist before taking over as head the agency that oversees vaccine approvals, and he's remade it in ways that have prompted some vaccine makers to pull back on development.
But he's also been an advocate on Lyme disease. In May, he announced an initiative to combat Lyme disease. And during his Senate confirmation hearings, he said his family had been deeply affected by Lyme disease and that nobody would work harder than he would to find a vaccine or treatment.
If the vaccine is ultimately approved by the FDA, an endorsement from Kennedy would go a long way, according to KFF's Kirzinger, particularly among supporters of his Make America Healthy Again movement, who tend to be more vaccine-skeptical.
"They trust him as much as they trust their own doctors to tell them what to do with their health and for health information," Kirzinger said. "If he comes out as a strong proponent of this vaccine and says, 'Look what my administration did, and we made this available,' I would imagine there would be less vaccine resistance among that group."
Only one of the hunters who spoke with KFF Health News said they definitely would not be interested in a Lyme vaccine if it became available.
"I kind of hand it off to God and the body he gave me. I'm pretty durable," JP Cummings said. But even though he's not interested in it for himself, he's curious to see what his fellow hunters do as more information comes out.
"Hunters care about the wildlife; hunters care about health," Cummings said. "They love the wildlife, they love their deer, and they love their fellow hunters."
KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF.
The federal government released data on how many people dropped coverage in the 29 states that use the HealthCare.gov marketplace for ACA insurance.
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Patrick Sison
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AP
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Topline:
Five million fewer people are currently enrolled in ACA marketplace plans compared to the record high reached last year. More than 1 million fewer people picked a plan for 2026, and then 4 million more either disenrolled or failed to pay their premiums and, therefore, dropped coverage.
Why now: Prices in the market skyrocketed after President Donald Trump and Republicans in Congress failed to extend extra financial help for enrollees last year. The Department of Health and Human Services published a report about the data on its website Friday.
What's next: People dropping their coverage tend to be healthier people. If too many healthy people drop out of the markets, there's a danger that the markets could enter a "death spiral."
Read on ... for more on the latest insurance market trends.
Far more people than previously known have dropped Affordable Care Act health insurance for 2026, according to data released Friday.
Five million fewer people are currently enrolled in ACA marketplace plans compared to the record high reached last year. More than 1 million fewer people picked a plan for 2026, and then 4 million more either disenrolled or failed to pay their premiums and, therefore, dropped coverage.
Prices in the market skyrocketed after President Donald Trump and Republicans in Congress failed to extend extra financial help for enrollees last year. The Department of Health and Human Services published a report about the data on its website Friday.
The report says 19.2 million people are currently enrolled in ACA insurance now.
The steep drop in enrollment reflects what insurers, administrators and other health policy experts expected earlier this year. After initial sign ups were lower than last year, they predicted the picture would get worse as time went on and people found they could not afford to pay their premiums.
"The main takeaway is that enrollment is down 13% from last year," explains Cynthia Cox, director of KFF's Program on the ACA. "While the Trump administration attributes this drop in enrollment to their attempts to address fraud, this coverage loss happened at the same time millions of people faced double- or even triple-digit increases in their premium payments with the expiration of enhanced tax credits."
The idea that the growth in enrollment was due to massive fraud is a theory advanced by the Paragon Health Institute, a conservative think tank influential in the Trump administration.
Many health policy experts are skeptical. They say the increase in enrollment during the pandemic is not suspicious. It was a predictable consequence of Congress's investment of billions of federal dollars in making premiums more affordable — the enhanced premium tax credits.
"The marketplace doubled in size during the period when there were enhanced subsidies because the coverage was much more affordable and much more appealing to people," Cox says.
This year's drop in enrollment is also predictable, given that premium costs doubled, on average, from 2025 to 2026. The costs went up after Republican lawmakers let the enhanced premium tax credits expire; Democrats shut down the government in October 2025 trying to negotiate an extension of the credits that would have kept prices low.
"When their costs went up, many of them dropped their coverage," Cox says.
She adds that while fraud is a real problem in the ACA marketplaces, as it is in all insurance markets, she thinks it does not account for all of the drop in enrollment.
Stacey Pogue, senior research fellow at the Georgetown Center on Health Insurance Reforms, agrees.
"I don't see data that point to that conclusion that a 5 million-person drop can be explained by allegations of fraud," she says. "There's lots of evidence pointing to people making decisions based on what they can pay each month."
The higher health insurance costs are tough for consumers in an economy still plagued by overall inflation. As congress let the prices go up, people made tough decisions about family budgets, where to work, whom to marry and more.
It's also a problem for insurance companies, several of which have announced they will not be participating in ACA markets next year, including Cigna.
"If there are fewer customers, then that makes the market less appealing to insurance companies," Cox says.
That's especially true because the people dropping their coverage tend to be healthier people. If too many healthy people drop out of the markets, there's a danger that the markets could enter a "death spiral."
Cox says she's not worried about a death spiral at this point.
"I think there are still enough people buying ACA marketplace coverage and that's going to keep these markets working," she says. "At this point, we don't see any parts of the country that are at risk of having no insurance company. If that were to happen, that would be what a death spiral might look like."
Even so, the premiums for these plans are on track to keep rising, which could continue to pummel consumers navigating high health care costs. Enrollment in the marketplaces may continue to shrink too. According to a recent analysis from Pogue at Georgetown, early insurance rate filings for 2027 show that rates will be going up again next year.