ACA Enrollment 2026

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ACA Enrollment 2026 November 1st - December 15th: Jan 1st Effective Date December 15th - January 15th: Feb 1st Effective Date We’re less than 2 weeks away from the beginning of the 2026 Annual Enrollment Period for health insurance plans through the Health Insurance Marketplace. As we’ve mentioned in our previous correspondence, the Enhanced Premium Tax Credit is expiring on 12/31/2025. If Congress fails to renew the enhanced credits or come to a compromise, we’re expecting to see premiums increase significantly, as well as other changes to the market. Delayed Renewal Letters Update: The delivery of renewal letters from Blue Cross Blue Shield has been delayed to the last week of October or the first week of November. The renewal letter will list the upcoming changes to your current health plan. Please note that the premium amount listed does not account for updated subsidy amounts and could be inaccurate. Your agent will be able to provide you with an accurate estimate on or after November 1st. At this time, new subsidies are based on the second lowest Silver Plan available in our area, and we do not know what that specific plan is yet. Also, we are not aware if the Enhanced Premium Tax Credit will be available for 2026. A key to figuring out your premium will be trying to estimate your income as accurately as possible.   Update Your Information What Will Change? One Carrier Exiting: If you currently have an ACA plan through Aetna/CVS, you will have to switch to a new carrier for 2026. Aetna is leaving the Under-65 health marketplace for individuals.   Return of the “400% Cliff”: There will be no subsidy help available for households that are 400% above the federal poverty line. You will have to pay the full premium amount. Single: $60,250 Household of Two: $82,800 Family of Four: $125,000 Loss of the Enhanced Premium Tax Credit: Since early 2021, Health Insurance Marketplace plans have had an “Enhanced Premium Tax Credit” applied to all marketplace plans. Starting in January of 2026, the enhanced credit will expire. This could result in a substantial premium increase for everyone. Documents and Verification: More verification could be required for everyone on a marketplace plan. To enroll in a plan for 2026, you may have to provide documents to verify your income, citizenship, or proof of no other coverage before your plan can begin. Next Steps: Preparing For 2026 To help prepare for the 2025-2026 enrollment period, we’ll need to have as much information as possible ahead of time. Having up-to-date and accurate information will be vital in searching for the most beneficial option(s) available.   The Information we will need includes: The estimated HOUSEHOLD income for 2026. (Line 11 of your tax return). The name(s) of your Primary Care Doctor and any Specialists you use routinely. A list of your brand-name/expensive medications (not over the counter) Any priorities for your plan (prescription coverage, mental health benefits, etc.) A signed consent form (link below) To get started with this process, you can submit your updated information and consent by clicking the “Update Your Information” button below. Thank You! Update Your Information View email in browser Copyright (C) *2025* *Trout Insurance Services, Inc. . All rights reserved. We may not offer every plan available in your area. Currently, we represent at least 7 Medicare Advantage organizations that offer at least 50 different plan options in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options. Our address and contact information 29 N. Main Street Weaverville, NC 28787 [email protected] 828-279-4681 www.TroutInsurance.com  & www.MedicareOptionsForYou.com update your preferences or unsubscribe