Let’s break down what’s happening — and what it could mean for you.

If you’ve been using a Marketplace plan (also known as “Obamacare”) and receiving a monthly subsidy to help lower your premium, you’ve probably heard some talk about changes coming in 2026. Many people are asking the same question: Will those subsidies disappear?

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1. What Are Marketplace Subsidies?

Marketplace subsidies are government tax credits that reduce your monthly premium cost if your income falls within a certain range. The goal is to make health insurance more affordable for individuals and families who qualify based on their estimated household income.

The American Rescue Plan (ARP) and later the Inflation Reduction Act temporarily expanded these subsidies, making more people eligible — even some who didn’t qualify before.

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2. When Do the Extra Subsidies Expire?

Unless Congress takes new action, the expanded subsidies from the Inflation Reduction Act are set to expire at the end of 2025.

That means in 2026, the rules may return to pre-2021 levels, where many middle-income families lose eligibility or receive much smaller credits.

For example, if your household income is above roughly 400% of the federal poverty level, you might not qualify for any Marketplace assistance in 2026 — even if your premiums are still high.

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3. What This Could Mean for You

If the enhanced subsidies expire:

In short, your 2026 premium could depend heavily on your income and what Congress decides to do in 2025.

• Premiums could increase for many middle-income families.
• Fewer people may qualify for reduced monthly payments.
• More individuals may look for private PPO options outside the Marketplace to maintain affordable, flexible coverage.

4. How to Prepare Now

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You don’t have to wait until the last minute to plan. Here’s what you can do now:

• Review your current plan and costs. Know exactly what you’re paying and what your subsidy covers.
• Estimate your 2026 income early. If your income is rising, your subsidy could shrink — even if the program stays.
• Explore private PPO options. These plans aren’t tied to income or government rules and often provide broader networks with nationwide coverage.
• Work with a licensed agent (like Find Coverage!) to compare all your options before the new rules take effect.

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5. The Bottom Line

Marketplace subsidies have helped millions afford coverage, but the expanded support isn’t guaranteed to last forever. Staying informed and preparing now can help you avoid surprises when the 2026 enrollment season opens.

Whether you qualify for subsidies or not, there are always ways to find a plan that fits your needs, your lifestyle, and your budget.

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If you’re unsure how the 2026 changes could affect you, let’s review your options together.

Your coverage shouldn’t depend on what Congress decides — and with the right plan, it doesn’t have to.

👉 Talk with Thyrza today and explore your private PPO options.