News

Pisgah Legal offers help navigating Obamacare, Medicaid changes

By Lightning Reports, Published: October 30, 2025

Open Enrollment for 2026 health insurance through the HealthCare.gov Marketplace begins Saturday, Nov. 1, with major changes to the Affordable Care Act (Obamacare) and Medicaid this year, including higher premiums and no coverage for Dreamers.

Certified health counselors with Pisgah Legal Services offer free, unbiased help to Western North Carolina residents to understand their options and enroll by December 15 for coverage starting January 1.

“There are major changes this year that could affect your coverage and costs, which can be confusing,” said Mike McDonald, managing director at Pisgah Legal Services. “Even if you had Marketplace insurance last year, it’s important to review your options to make sure you are getting the best plan for your needs.”

There is an enrollment deadline of Dec. 15 for coverage starting Jan. 1, and a final enrollment deadline of Jan. 15 for coverage starting Feb. 1.

Some of the major changes to expect this year include:

• Majority of enrollees will face higher premium costs
• Autorenewals may not work as they have in the past
• DACA recipients will no longer be eligible for coverage

Pisgah Legal can help compare plans and make sure individuals and families have the right information amid this year’s changes. Make an appointment today by visiting pisgahlegal.org/health or calling 828-210-3404. The webpage also includes free step-by-step resource guides in English and Spanish to help people prepare for enrollment.
 
“Don’t assume your coverage will automatically renew,” said McDonald. “Let us help you get the facts about your options and make sure you’re covered for the year ahead.”
 
Bilingual Navigators are available to assist in Spanish, and free translation services are available for speakers of other languages.