Re: ACA for next year

Halls of Shrewd'm / US Policy

Unthreaded | Threaded | Whole Thread (12)

Post New | Post Reply | Report Post | Recommend It!

No. of Recommendations: 1

Estimating our income this year, it looks like our subsidy won't change much. We should be below the 400% FPL level (since we're a couple, that's $84600 for 2026). Same bronze plan as we have now.

You can play with scenarios here. It gives estimates with and without enhanced PTC.

kff.org - Calculator aca enhanced premium tax credit

This is what I get putting in 400% FPL for income - to avoid the subsidy cliff:
Based on the information you provided, your income is equal to 400% of the poverty level. This means you are likely eligible for financial help through the Health Insurance Marketplace, even without enhanced premium tax credits. Estimates of your cost for coverage and amount of financial help are provided below, along with estimates of what you would pay if enhanced premium tax credits were unavailable. Your cost for a silver plan would increase by $183 per month ($2,199 per year) without enhanced premium tax credits.

And if go to 401% FPL:
Based on the information you provided, your income is equal to 401% of the poverty level. Without the IRA enhanced premium tax credits, those making above 400% of the poverty level would be ineligible for financial assistance. Estimates of your cost for coverage and amount of financial help are provided below, along with estimates of what you would pay if enhanced premium tax credits were unavailable. Your cost for a silver plan would increase by $1,836 per month ($22,032 per year) without enhanced premium tax credits.

Extra $20k!

I actually think the enhanced subs will be retained, at least somewhat. But best to plan as if they will not be.

Post New | Post Reply | Report Post | Recommend It!

Print the post Share: X · FacebookFB · LinkedInLI · WhatsAppWApp · Email

Members reply directly to AdrianC here — and replies get answered. Reading is free; so is joining the conversation. Join Shrewd'm »

This community has written 84,309 posts about US Policy. The article-length ones it recommended most:

It's going to get worse · 33 recs · 2025

G’day Donny · 30 recs · 2026

Old Related Story · 28 recs · 2026

HCR is a national treasure · 27 recs · 2025

Fascism in America · 27 recs · 2025

Unthreaded | Threaded | Whole Thread (12)

Prev | Next

Announcements

US Policy FAQ

Contact Shrewd'm
Contact the developer of these message boards.

A community forum supporting civilized, and highly helpful, self-educating investors that come together for Shrewdness and merry spirits. These message boards closely follow the look and feel of the old message boards at boards.fool.com prior to the boards redirected to discussion.fool.com. Shrewd'm is not affiliated with the comprehensive and excellent investment website The Motley Fool (TMF) in any way. The Shrewd community here has owed, and continues to owe, gratitude to The Motley Fool for nurturing a culture of jovial irreverence towards Wall St, and that tradition will continue here.