Why Did My Health Insurance Premium Change in 2026?
The federal ACA subsidy expiration is active as of January 1. Find out how this change may affect you. Use this site to find your next possible steps.
The "Sticker Shock" Resource Center
| Category | The Problem | The Tool / Solution | Action |
|---|---|---|---|
| Individuals | Your monthly premium subsidy is ending, causing a significant price increase. | Subsidy Calculator Avg. out-of-pocket hike: 114% | Use Tool |
| Tax Savings | You want to save for medical expenses tax-free. | HSA Contribution Tracker $4,400 (Ind.) / $8,750 (Fam) | Use Tool |
| Employers | As an employer, you need to know if the health plan you offer is considered "affordable" under new IRS rules. | Affordability Threshold Checker New 9.96% income threshold | Use Tool |
| Policy | Stay informed about legislative efforts to extend federal subsidies. | Congress.gov Tracker Monitoring the Dec 2025 Discharge Petition | Learn More |
Is Your State Fighting Back?
Some states are implementing their own programs to offset the federal subsidy cliff.
New Mexico
New Mexico's official health insurance marketplace offers state-funded subsidies to lower costs.
New Jersey
New Jersey provides state subsidies, known as New Jersey Health Plan Savings, to eligible residents.
Illinois
The official ACA Health Insurance Marketplace for Illinois, offering resources and potential state aid.
California
Focused on "Enhanced Subsidies" to keep premiums from doubling for middle-class families.
Washington
Offers "Cascade Care Savings." If you pick a specific "Cascade" plan, the state gives you extra monthly help.
Massachusetts
Their "ConnectorCare" program is famous for providing very low-cost plans with no deductibles for people with lower incomes.
Vermont
Provides "Vermont Premium Assistance" (VPA) which is a small but helpful extra monthly discount.
Colorado
Uses a "Health Insurance Affordability Enterprise" to lower the cost of deductibles and co-pays for residents.
Connecticut
Their "Covered CT" program pays the entire premium and all out-of-pocket costs for residents who qualify.
Maryland
Has a special "Young Adult Subsidy" for people ages 18-34 to help them stay insured during the cliff.
For Residents of Other States
If you are in one of the other 40 states, you may feel the full effects of premiums rising. Visit our list of insurance marketplaces and visit our blog to monitor the situation. Contact your state representatives as soon as possible.
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