as we enter plan year 2026 in the Affordable Care Act, there's been a lot of confusion about people losing their benefits.
So as we enter plan year 2026 in the Affordable Care Act, there's been a lot of confusion about people losing their benefits. The truth of the matter is nobody's really losing their benefits. All that's changing is whether or not you're going to receive federal subsidies to help you pay for the health insurance. At the end of this year, COVID era subsidies are sunsetting.
They're coming to an end as we go into 2026. So families who make more than 400% of the federal poverty limit, while they're still eligible to buy health insurance in the Affordable Care Act, will no longer receive subsidies to help you pay for it. So understand the terminology as you watch the news. It's not that benefits are being cut, but subsidies potentially to help you pay for it may be going away.
So it might be a good opportunity if you fall above the 400% federal poverty limit to search other opportunities that may be available to you, whether it's through a health care sharing ministry or non marketplace plans. There's a lot of places to find health insurance that may meet your needs that may be outside of the Affordable Care Act. So this year, above all the other years, it's imperative that you get professional help. You sit down with a trusted advisor that can help you navigate not just the Affordable Care Act, but the plans that may be available to you through other avenues.
Nobody's really losing their benefits. All that's changing is whether or not you're going to receive federal subsidies to help you pay for the health insurance.
Families who make more than 400% of the federal poverty limit will no longer receive subsidies to help you pay for it.
It might be a good opportunity if you fall above the 400% federal poverty limit to search other opportunities that may be available to you, whether it's through a health care sharing ministry or non marketplace plans.
This year, above all the other years, it's imperative that you get professional help. You sit down with a trusted advisor that can help you navigate not just the Affordable Care Act, but the plans that may be available to you through other avenues.
Talk to a real person.