If you currently have an ACA Marketplace plan (“Obamacare”), there’s some news you should know, especially if you’ve been getting extra help lowering your monthly premium.

Those enhanced subsidies — the temporary boost that started during COVID — are set to expire at the end of 2025 unless Congress decides to extend them again.

---

💡 What’s Changing Exactly

When the pandemic hit, the government increased Marketplace subsidies to make insurance more affordable for more people.

That extra help allowed many middle-income families to qualify for financial assistance for the first time and helped others pay little or even nothing for coverage.

Those COVID-era benefits were supposed to be temporary, but they were extended through the Inflation Reduction Act. Now, unless new legislation passes, those enhanced subsidies will end in 2026, returning the program to its pre-pandemic levels.

So, subsidies aren’t disappearing, but many people will get less help than they do now.

---

📈 What That Means for You

If you’re one of the millions who benefited from those expanded subsidies, you might see your premium increase in 2026.

Here’s what experts are projecting:

• Premiums are already expected to rise about 20% for some 2026 plans, according to federal filings.
• The expiration of enhanced subsidies could make the cost jump even higher for those who were getting extra help.
• Families with incomes slightly above the current limits could once again lose eligibility for financial aid — the so-called “subsidy cliff.”

For many middle-income Americans, this could mean paying hundreds more per month unless Congress acts.

---

👩‍💼 Who Should Pay Attention

These changes will impact:

• Self-employed people who buy their own insurance.
• Families and individuals who started qualifying for subsidies only after 2021.
• Early retirees or freelancers who rely on Marketplace coverage between jobs.

If that’s you, now’s the time to compare your options and plan ahead.

---

🧭 What You Can Do

✅ Review your current coverage. Check how much of your premium is covered by the enhanced subsidy and what it would cost without it.

✅ Explore private PPO options. For people who don’t qualify for subsidies, private can often provide strong nationwide coverage at a better long-term value.

✅ Stay informed. Keep an eye on news from Congress as they debate whether to extend the current subsidy levels.

---

💬 From Thyrza, Find Coverage LLC

I talk to clients every day who feel lost in the insurance system. The truth is, things change — and being informed makes all the difference.

If you’re unsure how these 2026 changes could affect you, I can help you review your options — whether that’s staying on Marketplace, switching to a private PPO, or finding a hybrid solution that fits your budget and needs.

You don’t have to figure it out alone.

---

🌐 Let’s Make Sure You’re Covered

Let’s look at your options now, so you’re not caught by surprise when 2026 rolls around.