Health insurance costs are rising for many Americans following the expiration of enhanced ACA subsidies at the end of 2025. In this episode of Purposeful Planning, we explore how the Premium Tax Credit works, who qualifies, and the options available to those who no longer receive enhanced subsidies. Whether you're self-employed, in early retirement, or simply looking for affordable coverage, understanding these changes is crucial for managing your healthcare costs in 2026. 

Sources:   

1. https://www.irs.gov/credits-deductions/premium-tax-credit-ptc-overview#:~:text=The%20premium%20tax%20credit%20%E2%80%93%20also%20known,with%20Form%208962%2C%20Premium%20Tax%20Credit%20(PTC). 
2. https://openenrollment.healthcare/insurance-marketplace-healthcare-quotes/  
3. https://www.cms.gov/marketplace/outreach-and-education/health-savings-account.pdf  
4. https://www.healthcare.gov/glossary/high-deductible-health-plan/  
5. https://www.aspenwealthmgmt.com/  
6. https://www.aspenwealthmgmt.com/financial-planning  
7. https://www.aspenwealthmgmt.com/blog/webinars/from-countdown-to-confidence-your-retirement-transition-checklist 
8. https://www.aspenwealthmgmt.com/resource-center/tax/understanding-the-premium-tax-credit-are-you-eligible  

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.  

This information has been derived from sources believed to be accurate and is intended merely for educational purposes, not as advice.  

Aspen Wealth Management is a registered investment advisor with the SEC. 

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