"Health Insurance Premiums Doubling in 2026 — What It Means for You"
If you’re currently enrolled in an ACA Marketplace plan, there’s important news you should know. Experts warn that premiums could nearly double in 2026 unless Congress extends the enhanced premium tax credits introduced under the American Rescue Plan.
This potential change could impact over 25 million families who rely on these subsidies to make their health coverage affordable.
What’s Happening?
Since 2021, the federal government has provided enhanced premium tax credits to help Americans pay less for Marketplace health insurance. These credits expanded who qualifies for assistance — allowing many middle-income families to save hundreds (or even thousands) of dollars per year.
However, unless Congress takes action, these enhanced savings are set to expire after 2025. That means in 2026, many households could return to paying full price for their plans — and that could lead to a significant increase in premiums.
Here’s what that might look like:
A family of four earning around $100,000 could see their annual premiums rise by $4,000–$6,000.
Middle to high-income adults ages 50–64 are expected to be hit hardest, especially those who don’t receive insurance through an employer. Increases are projected to hit 114% in some cases, making health insurance not just expensive but completely unaffordable.
What This Means for You:
If you depend on ACA coverage, these potential changes could mean:
Higher monthly premiums starting in 2026
Fewer affordable plan options and raised deductibles
Increased risk of going uninsured if prices rise too high
But here’s the good news: you don’t have to wait for these changes to happen before taking action. There are alternative solutions that may help you stay protected, utilize the same networks, and save money in the process.
What You Can Do Now?
Here are three smart steps you can take today to protect your family, your business, and your wallet:
1. Review Your Current Coverage
Many people aren’t aware that private PPO options exist outside the Marketplace.
These plans often provide:
✅ Nationwide provider access
✅ Predictable monthly costs
✅ Fixed rates for years to come
✅ Lower Deductibles and Coinsurance
Does your current plan offer these benefits?
2. Explore Alternative Plans
If you’re self-employed, own a small business, or work independently, you may qualify for plans that offer comprehensive coverage and lower out-of-pocket costs. These private options can give you greater control and stability than traditional Marketplace policies.
3. Talk to a Licensed Advisor
Health insurance is complex and most plans are not publicly available online for self enrollment — but you don’t have to navigate it alone. A licensed advisor can help you compare ACA, private PPO, and cost-sharing plans side by side so you can make the best decision before open enrollment ends.
"Why Private Plans are Cheaper"
The reality of the private sector plans is not everyone will qualify for certain private plans. But speaking to a professional that can help tailor a plan to your needs will be the fastest and easiest way to navigate the options and find the best plan.
1. Private plans can offer better rates because some plans can tailor coverages based on what is actually needed or used. Such as pregnancy or mental health. If you do not need these coverages, there are options that can save you thousands annually while still providing sufficient coverage.
2. Some private plans require certain health requirements to be approved for the coverage. The health questions vary, but, if you are eligible for one of these plans you can score a $0 deductible plan with $0 coinsurance and savings of 30-50% on the monthly premiums. It is the ultimate loophole. You pay according to your health conditions and projected usage. And once you are in one of these plans, those rates are fixed and have no need for annual renewal. Meaning you no longer participate in open enrollment and the craziness along with it during the holiday season.
Don’t Wait for the Price Shock in 2026 - Act Now!
Even though the potential increase is still months away, planning ahead now means you won’t be caught off guard. Some plans are based on your current health conditions and insurance usage, and if that changes before January 2026, it can limit your options.
A quick coverage review could help you discover more affordable, long-term options — and ensure your family or business stays protected no matter what happens in Washington.
Speaking to a professional about your health needs, doctors, and budget will insure that you are put into the best plan. The process only takes a few minutes and saves hours of research for years to come.
Ready to Explore Your Options?
At RASolutions, we help families, entrepreneurs, and small business owners find health coverage that truly fits their needs and budget — without the guesswork or stress. Currently, we have helped thousands of clients save an average of $500 a month on their premiums and we are honored to help you do the same.
Let’s make sure you’re prepared for what’s ahead.
📞 Call: +1 (808) 518-3269
📧 Email: [email protected]
💼 Schedule your free coverage review today — and get the peace of mind that your plan is working for you, not against you.TALK TO A LIVE AGENT NOW!
What to Expect During Our Process:
Book a Call- Choose a time Convenient for you
5-minute Call with an Expert
Overlook comparisons of ACA and Private Health Plans.
Choose the best plan for YOU!
Sit back and Relax for years to come... We continue to do the work on the backend for you. If there are any new plans that pop up, rest assured we will reach out and advise you on the changes or better options.
