It's important for you to know Marketplace health plans will probably be more expensive in 2026.
Here's why, and what you can do to help keep your costs as low as possible as you prepare for Open Enrollment, which is Nov. 1, 2025, through Jan. 15, 2026.
Premium tax credits expiring
During the pandemic, the federal government offered expanded tax credits. Those credits made Marketplace plans more affordable. But the government is set to have those tax credits expire at the end of the year, unless Congress acts to extend them. That means you could lose your tax credit, or you could get a smaller one than you do now. You can learn more about these subsidies here.
- To make sure you get the biggest tax credit you're eligible for, please go to HealthCare.gov before you enroll to update your financial information.
Comparing earned income
Government rules require you to "reconcile" your taxes, comparing your estimated income when you applied for your plan with what you actually earned. If you don't do this at HealthCare.gov, you could lose any federal subsidies that help pay for your plan.
Increased costs
Like other health insurers, we've had to increase the cost of our plans. Unfortunately, this is necessary due to the rising cost of health care itself.
To learn more about why we're having to make this change, please read this article.
