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In this article Higher premiums coupled with expiration of subsidy enhancements Changes to state-funded subsidy programs in some states Higher limit for maximum out-of-pocket costs No cap on excess APTC (subsidy) repayment No Marketplace subsidies for low-income recent immigrants Bronze and Catastrophic plans: HSA eligibility and increased access Marketplace insurer entries and exits Illinois residents […]

In this article Many older Marketplace buyers face drastic premium hikes ‘Subsidy cliff’ affects households with incomes above 400% of federal poverty level American Rescue Plan and Inflation Reduction Act temporarily eliminate ‘subsidy cliff’ Why it’s called a ‘cliff’ Areas with higher average premiums will be hit hardest by the ‘cliff’ If Congress doesn’t extend

In this article ACA Marketplace individual and family health insurance COBRA continuation of group coverage Medicaid Insurance through a spouse’s health plan Short-term health insurance Frequently asked questions In the United States, nearly half of the people under the age of 65 get their health insurance from an employer.1 But the downside of having health

In this article What is the OBBBA? Medicaid applications and renewal will get more complex Planned Parenthood no longer eligible for Medicaid reimbursements Low-income immigrants will lose subsidy eligibility Subsidy recipients face full repayment of excess APTC More Marketplace plans can be used with health savings accounts (HSAs) Why does HSA access matter? The One

In this article What is the federal rule and when does it take effect? The first wave of changes – effective August 25, 2025 4 changes effective for enrollment in 2026 health plans Changes effective for enrollment in 2027 health plans Why are some of the rule’s changes temporary? A federal rule published in June

In this article What are ICHRAs? New tax credit for small businesses that offer CHOICE Arrangement More widely available pre-tax premium contributions for employees Employers would be able to offer a choice between CHOICE or a traditional small-group plan The future of CHOICE Arrangements The budget reconciliation bill that passed in the U.S. House of

If you’re a small-business owner and you’d like to reimburse your employees, pre-tax, for the cost of health insurance that they buy on their own, you have two options: An ICHRA (Individual Coverage Health Reimbursement Arrangement) or a QSEHRA (Qualified Small Employer Health Reimbursement Arrangement).1 As long as you have fewer than 50 full-time equivalent

In this article How is mental health treatment covered by health insurance? How did the Affordable Care Act expand coverage of mental health care? Do ACA mental health coverage requirements apply to all health insurance? Does mental health parity mean health plans must cover mental health? Does most health insurance cover therapy and medication? Do

In this article Why we think Medicaid cuts are likely What Medicaid cuts are being considered? Medicaid work requirements Remove the current floor on the federal Medicaid matching rate Reduce the federal matching rate for Medicaid expansion Implement per-enrollee caps on federal funding Rescind some Biden administration rules Medicaid cuts would result in reduced benefits

In this article Your kids might be eligible for Medicaid even if you’re not. Your children can enroll in Medicaid at any time. Medicaid might help pay for employer-sponsored coverage for your children. A child’s disability may make them eligible for Medicaid. In most states, you’ll need to renew your kids’ coverage each year. If