What Marketplace Health Insurance Changes in 2026 Mean for Your Mental Health Coverage
- Ashley Wright
- Oct 3
- 2 min read
As your mental health care provider, Wright Path Counseling and Wellness want to make sure you are informed about upcoming changes to health insurance plans purchased through the Marketplace (also called the ACA or federal exchange) that could affect your coverage in 2026.
What’s Changing?
Starting January 1, 2026, there are several changes that may impact Marketplace insurance:
Premium Tax Credit Changes: The enhanced premium tax credits introduced during the COVID-19 pandemic are set to expire at the end of 2025. This means many clients may see higher monthly premiums next year. For example, someone who previously paid 1% of their income could see that increase to 6% or more.
Insurance Carriers Leaving the Marketplace: Some insurance companies, including Aetna CVS Health, will no longer offer Marketplace plans. UnitedHealthcare (including Optum) plans to continue in many markets, but they may exit certain areas depending on the viability of pricing. If your current plan is affected, you’ll need to explore new options.
Higher Premiums and Out-of-Pocket Costs: Overall, health insurance costs are expected to rise significantly, which could impact your budget for mental health care.
Eligibility and Enrollment Adjustments: There will be changes to who qualifies for Marketplace subsidies and how enrollment works. Certain immigrant populations and low-income households may see changes in eligibility.
What You Can Do
Here’s how to prepare for these changes:
Review Your Plan: Open Enrollment for 2026 begins November 1, 2025. Take the time to review your current plan and see if it still meets your needs.
Explore Alternatives: If your Marketplace plan is no longer available or affordable, look into other options, including Medicaid, employer-based insurance, or private plans.
Seek Help: Certified application counselors and insurance brokers can help you navigate the Marketplace and find the best plan. Learn more here.
Plan Ahead: Consider your mental health care needs when budgeting for insurance costs to avoid interruptions in treatment.
As Your Provider
Our goal is to ensure you continue to have access to mental health care without disruption. If you are concerned about changes to your insurance, we encourage you to start exploring your options now. We can also provide guidance or documentation you might need for coverage.
Resources:
Staying informed and planning ahead will help you avoid gaps in coverage and continue your mental health care uninterrupted. If you have questions or need support during this transition, don’t hesitate to reach out to our office.
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