Three quarters of ACA enrollees have income at/below 250% FPL (~$38k for an individual), leaving little room to pay expensive medical bills out of pocket, let alone stash savings away in an HSA. www.cbpp.org/media/market...

The silver plan also comes with a much lower deductible ($700) and out of pocket cap ($3,300), providing additional protections for people who end up needing more care.

A silver plan with cost-sharing reductions is more affordable for someone at 200% FPL. In New Orleans, they could get a plan with predictable, pre-deductible copays of $10-$40 for different kinds of office visits, urgent care, and generic medications.

This bronze plan comes with a $6.5k deductible. After that, ppl still have to pay 40% of the cost of all their health care other than preventive up to the $10.6k cap. These costs would put health care out of reach—especially for ppl w/low incomes, who get reduced cost sharing with a silver plan.

Details are scarce. But we know a bronze ACA plan + a few thousand dollars in an HSA would not even cover the deductible for most bronze plans, let alone begin to make the cost of getting health care affordable. Take this 2026 plan available through HealthCare.gov to people in New Orleans.

Marketplace enrollees have a lot on their minds this year, with premiums set to increase more than $1,000/year for the average person receiving PTCs, if PTC enhancements expire. Here are some other tips for navigating ACA marketplace enrollment in 2026:

People can enroll/change plans any time before the end of open enrollment in their state. To ensure they’re getting all the financial help they qualify for, people should check back in with their marketplace in Jan in case Congress has extended the PTC enhancements. www.cbpp.org/media/market...

People enrolled through HealthCare.gov can opt out of automatic enrollment for 2026 by logging into their account, going to “My Plans & Programs,” and selecting the “stop coverage” button. www.healthcare.gov/keep-or-chan...

#OpenEnrollment for 2026 marketplace plans started Nov 1 in most states. B/c Congressional Rs haven’t extended PTC enhancements, ppl are seeing higher costs as they review their options. If you’re in need of marketplace coverage, here are some key dates to keep in mind during this uncertain time:

2026 premiums are posted on HealthCare.gov. I checked out my hometown zip code in Lansing, MI. Someone w/an income less than $2,000/mo who paid $0 for a plan this year would pay $82/mo in 2026. That’s not affordable. Congress needs to act now to extend the PTC enhancements!

It's imperative that Congress take action to extend the premium tax credit enhancements for the 20 million+ ACA marketplace enrollees who rely on them. In the meantime, enrollees may have concerns. Here are some tips to help navigate this complicated time.

The Republican House bill would take away health coverage and raise health care costs for millions of people who rely on Medicaid or #ACA marketplaces for coverage. Read more about the harmful policies in this bill in our summary here: www.cbpp.org/research/hea...

The bill House Republicans passed early this morning would strip coverage from roughly 15 million people to help fund tax cuts for the wealthy. Read more about the bill's harmful health agenda in our new @centeronbudget.bsky.social paper: www.cbpp.org/research/hea...

Meanwhile, the Trump administration has made no public effort to extend the enhanced PTCs, which 9 in 10 marketplace enrollees depend on. These credits expire at the end of 2025, and if Congress fails to act, an estimated 4M people could lose coverage. Lisa from Ohio is just one those people: