Big Changes to ACA & Marketplace Subsidies for 2026

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BIG Changes to ACA/Marketplace Subsidies For 2026 We want to inform you about important changes that could affect your 2026 health insurance coverage. Recent updates to federal policy will result in a reduction or elimination of premium tax subsidies available through the Health Insurance Marketplace. As a result, many enrollees may see an increase in their monthly premiums starting in 2026. We understand that changes like this can be concerning, and we’re here to help you navigate your options. As we approach Open Enrollment, we’ll provide updated plan information and personalized support to help you find the best coverage for your needs and budgets. What Will Change? One Carrier Exiting: If you currently have an ACA plan through Aetna/CVS, you will have to switch to a new carrier for 2026. Aetna is leaving the Under-65 health marketplace for individuals.   Return of the “400% Cliff”: There will be no subsidy help available for households that are 400% above the federal poverty line. You will have to pay the full premium amount. Single: $60,250 Household of Two: $82,800 Family of Four: $125,000 Loss of the Enhanced Premium Tax Credit: Since early 2021, Health Insurance Marketplace plans have had an “Enhanced Premium Tax Credit” applied to all marketplace plans. Starting in January of 2026, the enhanced credit will expire. This could result in a substantial premium increase for everyone. Documents and Verification: More verification could be required for everyone on a marketplace plan. To enroll in a plan for 2026, you may have to provide documents to verify your income, citizenship, or proof of no other coverage before your plan can begin. You can learn more about the changes to the marketplace, premium increases in your area, and more through the link below.   Health Insurance 2026 Read our Tales of “Whoa!”, some examples of how your coverage could be affected. Tales of “Whoa!” Next Steps: Preparing For 2026 To help prepare for the 2025-2026 enrollment period, we’ll need to have as much information as possible ahead of time. Having up-to-date and accurate information will be vital in searching for the most beneficial option(s) available.   The Information we will need includes: The estimated HOUSEHOLD income for 2026. (Line 11 of your tax return). The name(s) of your Primary Care Doctor and any Specialists you use routinely. A list of your brand-name/expensive medications (not over the counter) Any priorities for your plan (prescription coverage, mental health benefits, etc.) A signed consent form (link below) To get started with this process, you can submit your updated information and consent by clicking the “Update Your Information” button below. Thank You! Update Your Information View email in browser Copyright (C) *2025* *Trout Insurance Services, Inc. . All rights reserved. We may not offer every plan available in your area. Currently, we represent at least 7 Medicare Advantage organizations that offer at least 50 different plan options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options. Our address and contact information 29 N. Main Street Weaverville, NC 28787 [email protected] 828-279-4681 www.TroutInsurance.com  & www.MedicareOptionsForYou.com update your preferences or unsubscribe