2. Enhanced premium tax credits and subsidies may expire or shrink

Since 2021, many marketplace enrollees have benefited from enhanced premium tax credits that lowered monthly costs. In 2026, those extra boosts may disappear unless Congress acts.

Ramifications:

Without the enhancements, your share of the premium could increase substantially.

If you’re new to enrolling, make sure you check how many credits you qualify for and whether those will still apply in your state.

Tip: Gather income documentation now; changes in your household size/income matter more than ever.