Category: Obamacare (ACA)

Major ACA changes in 2026 are coming that could significantly affect health insurance premiums for millions of Arizona residents. Enhanced subsidies that dramatically reduced marketplace costs may expire, and Congress is debating what comes next. Here’s what to expect and how to prepare before the changes take effect.

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.

Navigating ACA changes in 2026 is easier with a local broker who knows all your options. I’m Andy Orlikoff, an independent health insurance broker in Surprise, AZ. Call (623) 742-3878 or fill out the contact form — my help is always free.