Changes Coming to the ACA in 2026 Hi, folks. Let’s talk about what’s ahead for the Affordable Care Act in 2026. You may also know it as Obamacare, the Marketplace, or On-Exchange coverage —different names, same program. What’s Changing Premiums are going up. Rising medical costs (primarily prescriptions) and the end of extra COVID-era subsidies mean many families may see higher monthly payments. Subsidies are shifting. Financial help is still available, but the “extra boost” that’s been around since 2021 is set to expire at the end of 2025, unless Congress extends it. Enrollment rules are tightening. Out-of-pocket maximums will be a little higher, income verification is going to be more thoroughly enforced, and more. More plan options. Bronze and Catastrophic plans will become HSA-eligible, giving you more flexibility in how you save and spend for healthcare. Good News: More Choices Off-Exchange Here’s something I’m excited about: new 3-year healt...