If You Get Your Health Insurance From the Marketplace
You will soon receive renewal information from your current insurance company if you have not done so already.
Banner, Aetna and Aultcare are exiting the Marketplace so you will need to find a new plan for 2026 if they are your current plan.
Enhanced Premium Tax Credits are expiring on December 31, 2025 which will impact 93% [Footnote 1] of Marketplace enrollees. This will result in a dramatic increase of premiums unless these tax credits are extended. Estimates range from 28% to over 300% increases in premium. This could leave millions of Americans without healthcare coverage.
If You Get Your Health Coverage from Medicaid [Footnote 2]
New work requirements will be introduced for adults ages 19 to 64 in order to qualify for Medicaid coverage.
Eligibility will need to be verified every 6 months instead of annually.
Recent immigrants may have to wait five years after receiving a green card in order to qualify for Medicaid coverage.
If you Get Your Health Coverage From Medicare [Footnote 3]
Prescription Drug Plan Maximum Out of Costs will increase from $2,000 to $2,100
All Beneficiaries of Part D (Prescription Drug Plans) will automatically be enrolled in the automatic Medicare Prescription Payment Plan. You may choose to opt out.
Special Supplement Benefits for Medicare Advantage and Chronic Illness plans are being restricted to those benefits that directly benefit health.
Certain services may require Prior Authorization in Traditional Medicare.
More coverage services will be available online at Medicare.gov
As always you should consult with an insurance professional to determine which plan best fits your needs each year.
Footnote 3 https://medicareguide.com/2026-medicare-changes-every-beneficiary-should-know