If you get your health insurance through the Marketplace (Healthcare.gov or your state exchange), you’ve probably seen headlines lately about upcoming changes to the Affordable Care Act (ACA). With 2026 right around the corner, we want to break things down for you in plain language—no panic, just facts—and let you know how we can help.

Open Enrollment Dates: Know the Window

For 2026 coverage, Open Enrollment will run from November 1, 2025 through January 15, 2026.

That gives you about 10 weeks to renew your plan, switch plans, or apply for coverage. But starting in 2027, the window will shorten to just November 1 through December 15—so it’s important to stay aware of deadlines going forward.

Changes to Premium Tax Credits

The expanded subsidies (called Advance Premium Tax Credits, or APTCs) that were introduced during the pandemic are currently set to expire at the end of 2025. These tax credits helped lower monthly premiums for many families.

If Congress doesn’t extend this support, some people may see higher premiums in 2026. But don’t worry—many will still qualify for financial help, and we’ll be ready to help you check your eligibility and find the most affordable option.

New $5 Minimum Premium Rule

If you’ve had a $0 monthly premium in recent years due to tax credits, you might notice a small change in 2026.

Some plans will now carry a $5 minimum monthly premium unless you actively renew or update your information during Open Enrollment.

It’s a small charge, but a good reminder to review your plan before it auto-renews.

More Verification Requirements

To help keep the system accurate, the Marketplace will now require faster responses to document requests.

If your income or personal info doesn’t match their records, you’ll be asked to verify it within 90 days—without the 60-day extensions that were previously common.

Need help gathering or submitting documents? That’s what we’re here for.

Year-Round Enrollment for Low-Income Households Is Ending

If your income is below about $22,000 for a single person (or 150% of the Federal Poverty Level), you’ve likely been able to enroll at any time during the year.

Starting in 2026, that special year-round enrollment will end.

You’ll now need to apply during Open Enrollment unless you qualify for a Special Enrollment Period—for example, if you lose other coverage, move, get married, or have a baby.

New Option: Health Savings Accounts (HSAs)

Here’s some good news.

Starting in 2026, certain high-deductible Marketplace plans will become HSA-eligible.

If you choose one of these plans, you’ll be able to open a Health Savings Account—which allows you to save money tax-free for qualified medical expenses.

It’s a great tool for people who want to plan ahead and take more control of their healthcare costs.

Feeling Overwhelmed? You’re Not Alone

There’s been a lot of media coverage about these changes—and it can be hard to tell what’s urgent and what’s not.

That’s why we’re encouraging everyone to reach out with questions, big or small.

Whether you need help uploading a document, want to compare plans, or just want reassurance that your current coverage still works for you, we’re here for you.

Stay Connected

As the 2026 Open Enrollment Period gets closer, keep an eye out for communication from our team.

We’ll be sharing helpful reminders, tips, and updates to guide you through the process.

When the time comes, make sure to work with your agent here to review your options and enroll in the right plan for your needs and budget. With all the changes coming, having the right guidance can make a big difference.

You Don’t Have to Figure It Out Alone

Call, message, or stop in anytime.

Our job is to make health insurance easier, and we’re proud to be your local resource for trusted, personalized help.

Let us help you get ready for 2026.