Episode explains major Affordable Care Act changes for 2026: significant premium increases (around 18%), the end of excess subsidies for those above 400% of the federal poverty level, and Aetna leaving the marketplace.

Good news: bronze and catastrophic plans will be deemed HSA-compatible starting 2026, allowing pre-tax contributions and investment growth; HSA limits and catch-up rules are discussed. Bad news: higher premiums and a subsidy cliff that can leave many without financial help.

Takeaway: review doctors and prescriptions when choosing plans, consult a tax or financial advisor about HSA strategies, and contact your insurance agent to compare options before open enrollment.