2026 Health Plans Are Now Live

See what’s changing for 2026, why many people will pay more.

The 2026 ACA Marketplace plans are live for preview. As temporary tax credits phase out in 2026, many households will see higher premiums—even on the same plan. The smartest move is to compare options before renewal to make sure you’re not overpaying.

What’s Changing in 2026

For the last few years, enhanced tax credits expanded who qualified for help and how much help they received. In 2026, those enhancements are scheduled to end, reverting rules back to pre-2021 levels. Fewer people will qualify, and those who do may receive less.

What this means for you

• Plans are available to preview now.

• Many premiums will rise in 2026.

• Comparing plans could reveal lower-cost alternatives or programs that reduce your costs.

Real Example: Single Adult in Florida ($30,000 income)

• 2025 (with enhanced credits): $76/mo for the local Silver benchmark

• 2026 (after enhancements end): $188/mo for the same planDifference: +$112/month (≈ $1,344/year)

Why Review Your Plan Now

1. Benefits and prices reset annually. Auto-renewal is no longer a ‘set it and forget it’ option for many. For 2026, even if you are automatically re-enrolled, you may need to pay at least $5/month if you had a $0-premium plan. And for 2027, automatic re-enrollment with full subsidies could be eliminated unless you actively renew.

2. 2026 designs may fit better if your credits are shrinking.

3. State/carrier programs might still lower your monthly cost.

What to Do Next

1. Preview your 2026 options.

2. Compare your current plan vs. alternatives.

3. Get help from a licensed advisor to avoid overpaying.

Call to Action📞 Call Sentium Health at 407-385-0290 or visit SentiumHealth.com to compare your 2026 plan options today. Open Enrollment starts November 1—don’t wait.