A big shift could be coming to the Affordable Care Act (ACA) in 2026 under current law. Several major funding provisions that have kept Marketplace premiums low for the past few years are scheduled to end after the 2025 plan year unless Congress steps in and extends them. These changes could affect premiums, subsidies, and the overall cost of health insurance for a lot of people, especially here in Florida.

The expanded subsidies created during the pandemic and extended through the Inflation Reduction Act have kept Marketplace premiums lower for millions of Americans. Those enhanced tax credits officially sunset after 2025 unless they’re renewed.

If they aren’t renewed, 2026 could bring:

• Higher premiums across the board Middle-income households losing low-cost options
• The old “400% FPL subsidy cliff” returning
• Bigger price jumps for people in their 50s and early 60s

In short: the Marketplace will still exist, but it may get more expensive for many families.

Cost-sharing reductions (CSRs) aren’t going away, but how carriers structure those plans may change. That means:

Silver plans could get more expensive Deductibles and out-of-pocket costs may shift The gap between Bronze, Silver, and Gold plans could widen Since CSR eligibility is income-based, people near threshold lines should keep track of their yearly income more closely.