If you're a higher income earner and you have been leveraging subsidies in the Affordable Care Act for the last couple of years and you're a little bit nervous going into plan your 2026, what you're going to be able to do, I want to give you some ideas that might help alleviate a little bit of the tension, a little bit of the frustration.
If you're a higher income earner and you have been leveraging subsidies in the Affordable Care Act for the last couple of years and you're a little bit nervous going into plan your 2026, what you're going to be able to do, I want to give you some ideas that might help alleviate a little bit of the tension, a little bit of the frustration. The first thing you need to know is that in order to solve this problem well for 2026, you've got to be willing to think differently and see more than one solution as it pertains to solving your health insurance problem. For most people who are higher income earners who are healthy, they live a good lifestyle, the Affordable Care Act can be the most expensive place to buy coverage because it's full of sick people. And if you're not getting any federal subsidy to help offset that cost, it can be really, really expensive.
So one of the alternatives to the Affordable Care Act can be this idea of medical cost sharing or Christian sharing programs. Both of these are the idea of pulling together people through memberships to share their medical costs. And while there's some pros and cons of these plans, you'll find many times it attracts a much healthier, younger group of people where they can together help keep their costs down by sharing risk together. So it might be worth spending some time figuring out whether or not a medical cost sharing program or a Christian sharing program could make up a piece of your overall health insurance strategy as you go into plan your 2026.
So my advice to you for the year is not to wait to the last minute. Don't wait until December 15th to figure out what you're going to do. Sit now with a health insurance advisor who specializes with these types of programs early in the enrollment period so you can fully understand whether or not one of these options may be the best fit for you and your family as you move forward in 2026.
Higher income earners should be willing to think differently and see more than one solution to solve their health insurance problem. The Affordable Care Act can be very expensive for those not receiving federal subsidies.
The Affordable Care Act can be the most expensive place to buy coverage for healthy individuals because it's full of sick people. If you're not getting any federal subsidy to help offset that cost, it can be really, really expensive.
One alternative to the Affordable Care Act is medical cost sharing or Christian sharing programs, which involve pulling together people through memberships to share their medical costs. These programs often attract a healthier, younger group of people who can help keep costs down by sharing risk.
It's advisable not to wait until the last minute, such as December 15th, to figure out your health insurance options. Instead, consult with a health insurance advisor early in the enrollment period to understand the best fit for you and your family.
Talk to a real person.