In 2026, millions of Americans will be blindsided by one of the biggest health insurance cost jumps in recent history. This video breaks down a real-world case study of a family of four in Indianapolis earning $130,000, whose monthly premium is set to jump substantially. Why? The pandemic-era ACA subsidies that kept premiums low are set to expire, and insurers are already getting approval for double-digit rate hikes. The result is a perfect storm of higher premiums, rising deductibles, and shrinking affordability.

Coming 2026: Millions of Americans on the Marketplace will receive shocking mail. Advanced tax credits are going away and rates are set to increase upwards of 18% See how this will affect your clients in the attached video!

Healthcare planning isn’t just a retiree problem — it impacts self-employed clients, families in transition, and anyone without access to employer coverage. A key factor is the ACA Premium Tax Credit (APTC), which can reduce monthly premiums by hundreds or even thousands of dollars. To simplify this, we have developed a Tax Credit Eligibility Calculator designed for CFP® professionals. 🔹 What it does: - Estimates premium tax credits based on household size, age, and income (MAGI). - Shows where a household falls relative to the Federal Poverty Level (FPL). - Helps you model how tax planning choices — Roth conversions, Social Security timing, capital gains harvesting — can affect healthcare affordability. 🔹 Why this matters NOW: - Current expanded subsidies (from ARPA/IRA) are set to expire at the end of 2025. - Many households will face steeper premiums in 2026. - CFPs should plan now with clients, so there are no surprises during open enrollment (Nov 1st - Jan 15th). 🟢 If clients do not receive a tax credit, and they don't have a pre-existing condition, and they are in one of these states(AL, AZ, AR, CO, FL, GA, IL, IA, IN, KS, KY, LA, MD, MI, MO, MS, NE, NC, NV, OH, OK, SC, SD, TN, TX, VA, WI, WY, WV) there are private options available that offer better coverage for less money. 👉 ACA Marketplace Tax Credit Calculator: https://credit-quest-matt1114.replit.app/

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