🧠 The ACA Cliff: 2026 Changes Are Already Disrupting Marketplace Plans
- Charlie Love
- Jun 4
- 2 min read
Subsidy cuts. Proof-of-coverage requirements. Federal Poverty Level (FPL) shifts.
The 2026 ACA Marketplace changes aren’t coming—they’ve already begun. And if you're a Marketplace agent, the effects could hit your book sooner than you think.
❗ The Problem: Your Clients May No Longer Qualify
The enhanced subsidies that helped millions afford $0 premium plans are on track to expire. At the same time, new rules require clients to prove they've lost other coverage—a hurdle that many haven't had to jump before.
To make things more complicated, the FPL eligibility brackets are being reconsidered, which could disqualify clients who used to qualify.
😟 The Agitation: Renewals at Risk, Trust on the Line
When clients suddenly lose subsidies or can’t provide documentation, they’ll be confused—and they’ll call you.But without a plan, your credibility and your revenue are on the line.
✅ The Solution: Get the Data, Use the Tools, Lead with a Plan
We’ve created a 1-minute survey to gather insights from agents across the country. When you complete it, you’ll get:
✅ A flyer you can use with clients explaining what’s changing
✅ A plug-and-play email template to communicate clearly
✅ A strategic roadmap for helping clients through employer-based options like ICHRA or group coverage
👉 Take the 60-second survey here:https://form.jotform.com/251546416230046
🎙️ Bonus: Listen to the Executive Briefing Podcast
In this short episode, we break down the exact changes, the risks, and the strategy forward for agents who want to be ready—not reactive.
📌 Final Thoughts
The Marketplace is shifting. Agents who prepare now will not only protect their book—but become the trusted guide clients need most.
Take the survey, get the toolkit, and lead the change.
Comments