Retirees: How to Protect ACA Subsidies in 2026

The future of Affordable Care Act (Obamacare) subsidies is a pressing issue for retirees and anyone shopping for health insurance on the ACA marketplace.

With the generous subsidies brought by the American Rescue Plan Act set to expire at the end of 2025, I break down exactly how these subsidies work, what changes are coming in 2026, and what that means for your wallet.

We’re talking eligibility thresholds, how income is calculated, why premiums might rise, and—most importantly—shares practical strategies for lowering your adjusted gross income to continue qualifying for subsidies as the rules tighten.

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Ryan's Book:
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You should consult a financial advisor familiar with your specific circumstances before you make any financial decisions. Nothing in this video constitutes a solicitation for the sale or purchase of any Securities and is for entertainment purposes only. Any mention of rates of return are historical or hypothetical in nature and are not a guarantee of future returns.
Ryan Morrissey, CFP, is an investment advisor representative of Morrissey Wealth Management, LLC., a registered investment advisor.