If you’re planning to shop for ACA health insurance this open enrollment, you’re not alone, more than 24 million people use the Marketplace each year. But this year feels different. There’s a lot of confusion, and many people are worried, especially with Marketplace insurance premiums set to rise in 2026.

A big reason for the worry? The extra ACA premium tax credits that have helped lower costs for most people may end soon. Without them, many families could see their ACA premium double next year.

But don’t panic, there are a few things you can do to stay prepared and make the best choice for your budget.

1. Why premiums are going up

A few years ago, Congress expanded the ACA premium tax credits. These made health insurance cheaper for almost everyone and even allowed some higher-income households to qualify for help.

But those expanded credits expire at the end of 2025 unless Congress decides to renew them. If they don’t, many people could see a big jump in their monthly premiums.

For example, KFF estimates that a family of four earning $75,000 could see their yearly premium go from $2,498 to $5,865; more than double.

2. Stay updated because things can change fast

Congress is still debating what to do, and decisions could be made anytime. A new deal could bring those extra tax credits back. Or not.

That’s why it’s important to keep an eye on the news while you shop. Your Marketplace or insurance provider may not send updates quickly, so staying informed helps you make the best choice.

3. Update your Marketplace account early

Before choosing a plan, log in and update your:

• income

• household size

• personal details

This info helps the Marketplace calculate your correct tax credits. And this year, accuracy is extra important, if you estimate too low and receive more help than you should, you might have to pay the difference back.

Also, avoid auto-enrolling this year. Prices may change, and your old plan may no longer be the best fit.

4. Compare plans using the real (sticker) price

Premiums are expected to rise by about 26% on average; the biggest jump since 2018.

Even if tax credits return, it’s smart to compare plans based on the full price first. Ask yourself:

• “Can I afford this plan without the extra credits?”

• “Is a cheaper Bronze plan a better option?”

• “Would a higher deductible still work for me?”

Bronze plans still offer preventive care at no cost and usually cover a few doctor visits before the deductible. They’re not perfect, but they may be better than going uninsured.

Catastrophic plans are another option for people with financial hardship or those who don’t qualify for subsidies. Just remember: the deductibles are very high.

5. Keep checking back during open enrollment

If you looked at the Marketplace on November 1 and saw a price that scared you, don’t give up. Things may change if Congress reaches an agreement. You can check again later.

Key dates to remember:

• Dec. 15 — deadline for coverage starting January 1

• Jan. 15 — final day of open enrollment in most states

6. Don’t rush to pay your premium

Most plans require your first premium payment before coverage begins, but some insurers give extra time if needed.

And if Congress makes a deal after you’ve already paid? Don’t worry. You can still receive the higher tax credit amount later.

Need help understanding your options?

If all of this feels overwhelming, you’re not alone. Many people are unsure what the rising marketplace insurance premiums mean for their 2026 coverage.

Want personalized help reviewing your options? You can book a call with Brian.  Here is his scheduling link so you can pick a time that works for you.