Some Marketplace (ACA) plan rules are shifting under the new bill. This may lead to lower costs for some families and higher costs for others. Here’s what to expect.
Full Content
Open enrollment in 2025 will look a little different due to updated subsidy rules and cost-sharing adjustments. For many households, premiums may stay stable—or even decrease.
Key Changes
Bigger Tax Credits:
Middle-income families may receive more financial help to lower monthly premiums.
Added Cost-Sharing Reductions:
For certain income levels, out-of-pocket expenses may drop, especially for Silver plans.
Premium Relief for Older Adults:
Some older Marketplace enrollees could see moderate price reductions.
State Differences Still Apply:
Premium changes vary by state and insurer, so comparing plans is essential.
What Families Should Do
Compare plans even if you like your current one
Check updated tax credit eligibility
Look for CSR-eligible Silver plans if income qualifies