Your health insurance premiums for 2026 will be going up! The increase is largely due to the expiration of enhanced tax credits under the Affordable Care Act (ACA) at the end of 2025.

Individuals and households earning over 400% of the poverty level will no longer receive tax credits to help offset health insurance premiums. For example, if you are a household of one and earn more than $61,000, or a household of two earning more than $82,000, you will no longer qualify for these credits.

For households with incomes between 100% and 400% of the FPL, subsidies will revert to their pre-enhancement structure, potentially resulting in higher out-of-pocket premium costs.

Premiums are expected to rise for most individuals receiving tax credits in 2026. A KFF analysis of initial 2026 rate filings showed a median proposed increase of 18%, more than double the prior year. These increases are attributed to rising healthcare costs, inflation, and the anticipated expiration of the enhanced premium tax credits.

That is the bad news, the good news is we have alternative lower cost plans for individuals and families that can qualify.

Make sure and complete the survey so we can start looking for a plan for you.