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“CMS Finalizes Major Rule to Lower Individual Health Insurance Premiums for Americans.” CMS.Gov, Centers for Medicare & Medicaid, 20 June 2025, https://www.cms.gov/newsroom/press-releases/cms-finalizes-major-rule-lower-individual-health-insurance-premiums-americans.

“Cost Changes for Pennie Enrollees Coming in 2026.” Pennie, https://pennie.com/costs/. Accessed 2 July 2025.

“Getting Health Coverage Outside Open Enrollment.” HealthCare.Gov, https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/. Accessed 2 July 2025.

“Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability.” Federal Register, https://www.federalregister.gov/documents/2025/06/25/2025-11606/patient-protection-and-affordable-care-act-marketplace-integrity-and-affordability. Accessed 2 July 2025.

“When Can You Get Health Insurance?” HealthCare.Gov, https://www.healthcare.gov/quick-guide/dates-and-deadlines/. Accessed 2 July 2025.

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