Health insurance subsidies can save you hundreds every month, IF you understand how they really work. Learn what a subsidy is, how your income affects it, and why honesty (or even overestimating slightly) keeps you from getting slammed with a surprise tax bill. Plus, find out who actually qualifies and what’s changing with federal subsidy rules in 2025.

ACA health insurance premiums are projected to skyrocket by 75% in 2026 as expanded subsidies expire. Families, freelancers, and small business owners could face massive cost increases — in some states over 100%. Learn what the ‘subsidy cliff’ means, why Congress may not fix it in time, and how to protect yourself with smarter coverage options. Don’t wait until sticker shock hits — plan now with strategies for individuals, families, and employers.

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