ACA Changes

[Lee B]

If you have clients who buy their health insurance through one of the Marketplace Exchanges there are a number of changes.

The annual enrollment window has been shortened by one month

No more automatic re-enrollment - everyone will have to resubmit all of their documentation every year.

The Premium Tax Credit repayment cap will expire at the end of this year.

The Enhanced Premium Tax Credit also expires at the end of this year.

So far Congress has not renewed the large Premium Tax Subsidies paid to Health Insurance Companies to hold down the health insurance

premiums of health insurance offered on the Marketplace Exchanges.

[kathyc2]

Yep.  I pointed that out months ago.  No more subsidies for anyone over 400% FLP.

Can't repeal it outright, so death by 1000 cuts.

Also not being talked about is clean energy credits end 9/30/25 and residential energy credits end 12/31/25.

[Abby Normal]

54 minutes ago, Lee B said:

If you have clients who buy their health insurance through one of the Marketplace Exchanges there are a number of changes. The annual enrollment window has been shortened by one month No more automatic re-enrollment - everyone will have to resubmit all of their documentation every year. The Premium Tax Credit repayment cap will expire at the end of this year. The Enhanced Premium Tax Credit also expires at the end of this year. So far Congress has not renewed the large Premium Tax Subsidies paid to Health Insurance Companies to hold down the health insurance premiums of health insurance offered on the Marketplace Exchanges.

This is one HUGE step backwards. I was talking to a friend, with a family of 4 paying $400/month for a great plan. Now, she'll pay more for a less great plan, if she can even afford it all. She was opposed to Obamacare when it started but now she loves it. Or, should I say, loved it.

A lot of people are going to feel a lot of pain. 

[Lee B]

Medical debt is already one of the leading causes of personal bankruptcy

[BulldogTom]

If my memory serves correctly, those enhancements to the program by the previous administration were supposed to be temporary because of the pandemic.   So now there is no more pandemic, and we go back to normal Obamacare, which a lot of folks forgot what it was like.

Tom
Longview, TX