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For years, the Federal Health Insurance Marketplace helped offset rising premiums through expanded tax credits. Many individuals — including small business owners and their employees — relied on those subsidies to make coverage affordable. But as those enhanced tax credits have been reduced or eliminated, the financial impact didn’t disappear . It shifted. And small businesses were the ones who took the hit. The Reality: When Marketplace Credits Went Away, Costs Didn’t When f

📈 The New Reality of Individual Health Insurance: Rising Costs, Fewer Subsidies & What You Can Still Do to Stay Covered Individual health insurance has always been a balancing act, but 2025–2026 brings a shift many people don’t feel prepared for. With premiums climbing and enhanced ACA subsidies set to expire, millions who depend on Marketplace plans are suddenly facing much higher costs. For many, this isn’t just about paying more. It’s about whether they can stay insured a

Health insurance premiums could jump 20–75% in 2026. Learn what’s driving the increases—marketplace shifts, employer changes, drug costs—and get practical steps to protect yourself now.