Your Guide to 2026 Marketplace Updates

If you get your health insurance through the Health Insurance Marketplace, there are some important updates coming that may affect your coverage and monthly costs for 2026.

The government is adjusting the financial assistance programs that help lower premiums, and these changes could mean your costs will look different next year.

Here’s a clear breakdown of what’s changing, what it means for you, and the steps to take to make sure you stay covered and save as much as possible.

Why Premiums May Increase

During the COVID-19 pandemic, the government expanded financial help for Marketplace plans to make health insurance more affordable. That extra assistance is scheduled to end on December 31, 2025.

If you currently receive subsidies to lower your monthly premium, the amount you qualify for could decrease in 2026. This adjustment applies across all insurance companies, so now is the right time to review your plan and confirm whether you’ll still receive help with your monthly costs.

💡 Tip: When you renew through Catch Health, we’ll help you update your income details to make sure you’re getting the maximum savings available for 2026.

Key Dates to Remember

The Open Enrollment Period for 2026 Marketplace coverage runs from November 1, 2025, through January 15, 2026.

• Enroll by December 15, 2025, and your coverage will start January 1, 2026.
• Enroll between December 16, 2025, and January 15, 2026, and your coverage will start February 1, 2026.

Acting early helps you secure your preferred plan, avoid last-minute stress, and ensure you have uninterrupted coverage.

What to Do Next

1. Review your current coverage and costs.
   Your insurance company will send you an update before November with details about your 2026 plan. Review this letter carefully to understand any changes in your premium, deductible, or benefits.
2. Update your Marketplace application.
   Even small updates, like changes in income, address, or family size, can affect how much financial help you qualify for. Log in to your Marketplace account to confirm everything is accurate.
3. Compare your options.
   Take a look at all available plans for 2026. You may find one that better fits your health needs or budget. If you don’t select a new plan, you may be automatically re-enrolled in your current one, which might not be your best option.
4. Confirm your eligibility for financial help.
   Your household income determines your subsidy amount. Updating your information ensures you get the maximum assistance you qualify for and helps you avoid unexpected costs at tax time.
5. Get personal assistance if you need it.
   Help is available at no cost. You can speak with a Catch Health Advisor who can walk you through your options. Call (888) 280-4869.

A Special Note for American Indians and Alaska Natives

If you’re a member of a federally recognized Tribe or a shareholder in an Alaska Native Claims Settlement Act Corporation, you can enroll in or change Marketplace plans at any time. Learn more at HealthCare.gov/american-indians-alaska-natives.

Keep Your Coverage on Track

Health insurance is one of the most important protections you can have. Even if you don’t think your circumstances have changed, it’s still smart to double-check your plan and financial assistance for the upcoming year.

Taking a few minutes now to review your options can help you keep your coverage affordable and ensure you have peace of mind heading into 2026.