ACA Marketplace Premium Increases for 2026 — Oblivious Investor

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For people buying health insurance via the Affordable Care Act marketplace, premiums are expected to rise significantly in 2026. That’s the result of two things. Firstly, insurers are proposing a median premium increase of 18%. And secondly, enhanced premium subsidies (which have been in place 2020 – 2025) are scheduled to expire at the end of this year.

That second point means, among other things, that (if no legislation is passed) we’ll go back to a situation in which there’s a “cliff” at 400% of the federal poverty guideline (i.e., as soon as you cross that income level, the premium subsidy immediately goes to zero).

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