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 health plans off-exchange are rolling out right now. These give families and individuals more control, more affordable options, and sometimes more affordability outside of the Marketplace.

Final Thoughts

The ACA is evolving, as it always has. You still have options, and you don’t have to figure it out alone. My job is to make this simpler for you, and to help you feel confident in your coverage. Remember, using me is free for you. I work for you, not the carriers. 

📧 Email: ebullard@myhst.com

📞 Phone: 502-233-7560

🌐 Website: www.thsinsurance.com

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