Unless Congress extends the enhanced subsidy before the end of 2025, a lot of middle-income households will face major increases in their health insurance costs starting in 2026.

Your action plan:

• Review your 2025 and 2026 income projections

• Check your eligibility for subsidies under both the current and old rules

• Plan ahead before open enrollment hits in November

• Remember: the maximum out-of-pocket for 2026 will be $10,600 per person and $21,200 per family