The Affordable Care Act
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.
2026 ACA Changes and Premium Impacts
Enhanced premium tax credits ended December 31, 2025, raising out-of-pocket costs for many enrollees. Learn what the ACA tax credit expiration means for your 2026 costs and how subsidy changes affect insurance expenses. Tax credit repayment limits are now eliminated, requiring full repayment of excess credits on 2026 taxes.
New Coverage Options
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.
Getting and Managing Coverage
Understand enrollment options and apply through the ACA Marketplace. Report life changes via Marketplace life changes guide and check income impacts on subsidies.
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