The Affordable Care Act (ACA) provides health coverage through the Marketplace, offering plans with financial assistance like premium tax credits for eligible Americans. As of 2026, enhanced tax credits have expired, leading to higher premiums averaging 20% increases and key policy shifts from the One Big Beautiful Bill Act of 2025.
Bronze and catastrophic plans qualify as high-deductible health plans eligible for Health Savings Accounts (HSAs) starting 2026. Certain lawfully present immigrants below 100% FPL lose subsidized Marketplace eligibility. Low-income special enrollment periods end permanently.
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