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Prepare Now for Big ACA Changes Ahead

Andy |

Major shifts are on the horizon for the Affordable Care Act (ACA) in 2026 — The Trump administration’s newly proposed rule introduces changes that could leave millions of Americans without viable coverage options or struggling to afford marketplace plans.

Here’s what’s ahead—and why Short-Term Medical (STM) insurance remains a smart, strategic choice, even as we await the potential reinstatement of the previous 3-year coverage option.

Open Enrollment is Shrinking

  • Change: Open enrollment will be shortened by 4 weeks, ending December 15 instead of January 15 or later.
  • Challenge: Consumers who miss the new deadline will be locked out of ACA coverage.
  • STM Solution: STM plans can be purchased year-round, providing immediate gap coverage for those who miss enrollment or need temporary insurance between major life changes.

Year-Round Enrollment for Low-Income Americans May Disappear

  • Change: The special enrollment window for low-income individuals could be eliminated.
  • Challenge: Vulnerable consumers will have fewer opportunities to secure ACA coverage when they need it.
  • STM Solution: STM plans ensure access to coverage for these individuals, bridging them until ACA re-opens or other coverage becomes available.

Subsidy Rollbacks = Steep Premium Increases

  • Change: Enhanced federal subsidies are set to expire at the end of 2025, leading to higher out-of-pocket costs across the board.
  • Challenge: The Congressional Budget Office estimates 2.2 million could become uninsured due to affordability issues.
  • STM Solution: STM offers budget-friendly premiumsand customizable plan options, providing a viable alternative for those priced out of the marketplace.

Reduced Access to Enrollment Assistance

  • Change: Funding for navigators is being slashed by 90%, making it harder for consumers to get the help they need.
  • Challenge: Confusion and missed opportunities are inevitable, especially for underserved populations.
  • STM Solution: Offering STM plans  gives consumers a clear, supported path to protection when ACA guidance is lacking.

Reach out today to learn about options available to you:

American Insurance Benefits – Andy Orlikoff

www.AZhealth.us

623-742-3878

Located locally in Surprise Arizona, and serving the entire state.