ACA premiums to surge in 2026. Here’s what to do about it

Millions of Americans who buy health insurance through the Affordable Care Act marketplace will face staggering premium increases in 2026 if enhanced subsidies expire on Dec. 31. Although Congress discussed extending the subsidies during the recent government shutdown, negotiations have hit a wall, leaving millions in limbo. The return of the so-called “subsidy cliff” means anyone earning an income that exceeds 400% of the federal poverty level — $62,600 for individuals or $128,600 for a family of four — ...