As we approach the 2026 Open Enrollment Period, agents will play a critical role in helping clients understand and respond to significant changes in their health coverage options. With the expiration of enhanced federal subsidies under the American Rescue Plan Act (ARPA) and the Inflation Reduction Act (IRA), many individuals and families will face higher premiums and reduced financial assistance.

The enhanced Premium Tax Credits that expanded eligibility and lowered costs for millions of Marketplace enrollees will sunset at the end of 2025. Without Congressional action to extend these provisions, the subsidy structure will revert to pre-2021 levels. This means many clients will see higher monthly premiums and some may lose eligibility for financial assistance altogether.

How you can help
Your role as an agent is more important than ever. Here’s how you can support your clients through this transition:

1. Connect early and often. Reach out to clients before open enrollment begins. Let them know changes are coming and that you’re available to help them understand their options.
2. Help clients update their Marketplace application. Encourage clients to log in to their Marketplace account early and update their income and household information. This ensures they receive the most accurate Premium Tax Credit calculation for 2026.
3. Review plan options together. Some clients may need to switch plans to maintain affordability. Help them compare available options, including lower tier plans and assess coverage based on their health needs and budget.
4. Reinforce the value of coverage. While some may consider dropping coverage due to cost, remind them of the financial risks of going uninsured. Even one unexpected medical event can result in significant expenses. 

This year’s Open Enrollment Period will be different, but it’s also an opportunity to reinforce your value as a trusted advisor. By helping your clients navigate these changes with confidence and clarity, you’re not just selling insurance, you’re protecting families and strengthening relationships.