What’s Changing in Health Insurance for 2026

As 2026 approaches, individuals and families across the country are navigating a health insurance landscape that’s more complex than ever. Rising premiums, changing subsidy rules, and new enrollment restrictions are reshaping how people access coverage—especially those who rely on Marketplace plans or Medicare Advantage. Staying informed isn’t just helpful—it’s essential. Understanding what’s changing and how those changes affect your household can mean the difference between seamless coverage and costly gaps in care.

Here are some major changes for next year:

1. Premiums Are Expected to Rise
Federal projections suggest an average increase of 12.3% in health insurance premiums. While this figure applies broadly, individuals purchasing ACA Marketplace plans (Obamacare) or private coverage should expect similar trends.

2. ACA (Obamacare) Subsidies May Shrink
Temporary subsidy expansions under federal relief programs are set to expire. Premium tax credits could decrease, raising monthly costs. Cost-sharing reductions may tighten, increasing deductibles and copays.

3. Monthly Enrollment for Low-Income Individuals Ends
In recent years, individuals earning under 150% of the federal poverty level could enroll in ACA plans year-round. That flexibility ends in 2026.

4. Medicare Advantage Plans Are Contracting
Some insurers are reducing their Medicare Advantage offerings or exiting certain markets. Seniors in may need to switch plans or providers.

What all of this means for you:

• Compare plans early—don’t wait until December. Open enrollment begins on November 1st.

• We can help you verify provider networks, especially for specialists and hospitals.

• Schedule a free review with a licensed agent to avoid surprises. Call us at 817-350-6265 or send us an email: quote@preciseins.com.