The Healthcare Subsidy Showdown: Who Voted to Save Your Care (and Who Didn’t)

The Healthcare Subsidy Showdown: Who Voted to Save Your Care (and Who Didn’t)

The Healthcare Subsidy Showdown: Who Voted to Save Your Care (and Who Didn’t)
thedemlabs.org/2026/01/09/2...
@gailwaldby.bsky.social #ACA2026 #SubsidyCliff #VotedAgainstYou

The Healthcare Subsidy Showdown: Who Voted to Save Your Care (and Who Didn’t)

The Healthcare Subsidy Showdown: Who Voted to Save Your Care (and Who Didn’t)

The Healthcare Subsidy Showdown: Who Voted to Save Your Care (and Who Didn’t)
thedemlabs.org/2026/01/09/2...
@gailwaldby.bsky.social #ACA2026 #SubsidyCliff #VotedAgainstYou

The Healthcare Subsidy Showdown: Who Voted to Save Your Care (and Who Didn’t)
thedemlabs.org/2026/01/09/2...
@gailwaldby.bsky.social #ACA2026 #SubsidyCliff #VotedAgainstYou

5 Things for Advisors to Know About the Health Insurance Subsidy Rumble The most important: Clients under 65 who pay for their own coverage face some uncertainty.

House Rules is streaming a big non-ACA-subsidy-health-bill meeting live now: www.thinkadvisor.com/2025/12/16/5...

View: Health system change legislation is like the Terminator. Even if it gets killed, incinerated and fed to fish: It will be back. #hr6703 #subsidycliff

a car is flying over a rocky cliff and the words weeee are written below it Alt: a car is flying over a rocky cliff and the words weeee are written below it

Even crazier? Depending on our 2026 income, due to the return of the #SubsidyCliff, a $1 difference could mean the difference between us spending *either* 23% of our gross income on healthcare costs *or* 37% of it.

Slouching towards Enrollment: My 2026 ACA OEP Guide (Updated w/2 more tips!) Almost exactly a year ago I began my 2025 ACA Open Enrollment Period guide with the following words: This is the best OEP ever for the ACA for several reasons: The expanded/enhanced premium subsidies ...

📣 I've updated my annual #ACA Open Enrollment Guide with two more tips specifically for people who will be over the #SubsidyCliff in 2026:

acasignups.net/25/11/18/slo...

How might my tax deductions affect the size of my ACA premium subsidy? Learn how your tax-deductible contributions — such as an IRA, HSA, or self-employed health insurance deduction — might lower your MAGI and boost your Affordable Care Act premium tax credit on the Mark...

The future of Marketplace subsidy enhancements is still up in the air. But if the #subsidycliff is allowed to come back, avoiding it will mean the difference between affordable and unaffordable coverage. Here's how HSA (and IRA) contributions can help: www.healthinsurance.org/faqs/how-mig...

“Forever Aid”? Even gold fades in 2025.

#SherlockSam #SubsidyCliff

That health insurance subsidy bridge you've been cruising on? It leads to a cliff in 2025. Sherlock Sam is on the case.
#SherlockSam #CaseOfTheWeek #SubsidyCliff

Ambetter from Meridian Standard Silver Easy pricing Metal Level: Silver Plan type: HMO Plan ID: 58594MI0030024 Rating Quality Rating: 3 of 5 stars

Now comes the big one: Let's say we earn $110,000/yr.

That's 412% FPL, which means this year we'd be paying 8.5% of our income in premiums, or ~$780/month.

Next year? Since that's over 400% FPL, we'd fall into the #SubsidyCliff & have to pay full price: $1,444/month.

a spongebob character is standing on the edge of a cliff overlooking the ocean . Alt: a spongebob character is standing on the edge of a cliff overlooking the ocean .

I should also note that if the IRA subsidies *do* expire, something similar will happen to those at the OPPOSITE end: Anyone who earns close to 400% FPL will have to be careful not to go OVER that, since if they do, they won't be eligible for APTC subsidies either.

This is called the #SubsidyCliff.

Final 2025 Open Enrollment Report: Household Income (400% FPL & up) Finally, there's over 1.6 million exchange enrollees who earn more than 400% FPL. While enrollees in every other income bracket will be hit hard by IRA subsidies expiring, and many of them would be se...

📣 FINALLY, here's HOUSEHOLD INCOME 400% & UP:

--1.6M #ACA exchange enrollees earn over 400% FPL

--The return of the infamous #SubsidyCliff means they're about to be hit with unsubsidized premiums AND 6 full years of medical inflation if the IRA subsidies expire. 👀

acasignups.net/2025_oep/fin...