Understanding ACA Subsidies for 2026

If you’re renewing or shopping for 2026 health coverage, you may qualify for savings that make your plan more affordable than ever. Through the Affordable Care Act (ACA), most people receive financial help called subsidies, and Catch Health can help you make sure you don’t miss out.

This year, federal adjustments to Marketplace subsidies may affect how much assistance you get, so it’s especially important to review your information before the January 15 deadline.

Let’s break down how ACA subsidies work, who qualifies, and how Catch Health helps you keep more money in your pocket.

1. What Are ACA Subsidies?

ACA subsidies, officially known as premium tax credits, are discounts provided by the federal government to help lower your monthly premium costs.

These savings are based on your household income, size, and location and the lower your income, the higher your potential savings.

2. How Subsidies Help You Save

The goal of ACA subsidies is simple: to make quality health coverage affordable for everyone.

Here’s how they work:

1. You estimate your household income for the upcoming year.
2. The government applies a tax credit directly to your monthly premium.
3. You pay only the remaining balance — often much less than the full plan cost.

💡 Example: A family of four with a moderate income could save hundreds each month, sometimes bringing premiums down to as low as $0 with Marketplace subsidies.

3. Who Qualifies for ACA Subsidies?

Most Americans qualify for some level of subsidy if they:

• Purchase health coverage through the ACA Marketplace, and
• Have a household income between 100% and 400% of the federal poverty level (with expanded eligibility in some states).

4. Don’t Lose Your Savings When You Renew

Each year, you must update your Marketplace application to keep receiving your subsidy. If your income, household size, or job status changes, your savings may change too.

Because some federal assistance programs are shifting in 2026, it’s more important than ever to confirm your information.

When you renew through Catch Health, our licensed agents help ensure your subsidy details are accurate, so you keep every dollar you’re eligible for in 2026.

5. Catch Health Makes It Simple

Renewing your ACA plan doesn’t have to be complicated. Catch Health makes it easy:

• Confirm your 2026 subsidy eligibility
• Update your income and household details
• Match you to the right plan for your needs and budget

Our help is completely free, and we’ll make sure you don’t miss a single saving opportunity before the January 15 deadline.

The Bottom Line

ACA subsidies are one of the most effective ways to make health insurance affordable, and renewing through Catch Health ensures you keep those savings for 2026.

With Marketplace changes on the horizon, this year’s Open Enrollment is the time to review your plan, confirm your eligibility, and secure your coverage.