ACA Plans: Protecting Your Health and Wallet

Open Enrollment is here, and if you’re thinking about renewing or finding a new health plan for 2026, understanding how the Affordable Care Act (ACA) works can help you make smarter, more affordable choices.

At Catch Health, we help individuals and families explore ACA Marketplace plans that protect their health and their wallets. This year, a few changes to federal financial assistance may affect how much you pay for coverage, so it’s more important than ever to review your plan before the December 15 enrollment deadline.

Here’s how ACA coverage helps you save and how Catch Health can make the process easier.

1. ACA Plans Include Built-In Financial Help

One of the biggest advantages of ACA plans is the premium tax credit, often called a subsidy. This is government-funded financial help that lowers your monthly premium based on your income and household size.

In 2026, some of the expanded subsidies introduced during the pandemic will expire, which means the amount of financial help available may change. That’s why updating your income and household information is essential to make sure you’re still getting the maximum savings available.

💡 Tip: When you renew through Catch Health, we’ll help you review and update your income details so you don’t miss out on any savings for 2026.

2. Preventive Care at No Extra Cost

ACA Marketplace plans are designed to keep you healthy, not just cover you when you’re sick. Preventive care, like annual checkups, screenings, and vaccines, is included at no extra cost when you use in-network providers.

This means you can stay on top of your health, catch small issues early, and avoid big medical bills later, all without paying more out of pocket.

3. Protection from High Out-of-Pocket Costs

Every ACA plan includes an annual maximum limit on what you’ll spend out of pocket for covered care. Once you reach that limit, your plan covers 100% of eligible costs for the rest of the year.

This safety net makes healthcare costs more predictable and shields you from unexpected medical expenses, one of the biggest financial stressors for American families.

4. Consistent Coverage You Can Count On

Renewing your ACA plan helps you maintain continuity of care, keeping your preferred doctors, prescriptions, and benefits in place for the new year.

It’s the easiest way to avoid a gap in coverage and ensure you stay protected as 2026 begins. When you renew through Catch Health, our licensed agents handle all the details, helping you find a plan that fits both your health needs and your budget.

5. Free Expert Guidance from Catch Health Advisors

The Marketplace can be confusing, but you don’t have to navigate it alone. Catch Health’s Advisors are here to:

• Compare plan options and prices
• Check your subsidy eligibility under the 2026 rules
• Explain what’s changing in 2026
• Help you renew quickly over the phone

And the best part? Our help is 100% free.

The Bottom Line

ACA coverage isn’t just about having health insurance; it’s about having affordable, predictable protection for you and your family. With changes coming to federal subsidies in 2026, reviewing your plan now can help you stay covered and continue saving money all year long.

Open Enrollment ends January 15. Don’t wait.

Speak to a Catch Health Advisor today and make sure your 2026 coverage works for your health and your budget.