Important Changes to Marketplace Health Insurance Plans in 2026

As your mental health care provider, Wright Path Counseling and Wellness wants to ensure 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, several changes may impact Marketplace insurance:

1. 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.

2. 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.

3. Higher Premiums and Out-of-Pocket Costs

Overall, health insurance costs are expected to rise significantly. This could impact your budget for mental health care. It’s essential to prepare for these changes to avoid financial strain.

4. 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. Staying informed about these adjustments is crucial.

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. Understanding your coverage is vital for your mental health care.

Explore Alternatives

If your Marketplace plan is no longer available or affordable, look into other options. This includes Medicaid, employer-based insurance, or private plans. Finding the right fit for your situation can make a significant difference.

Seek Help

Certified application counselors and insurance brokers can help you navigate the Marketplace and find the best plan. Learn more here. Don’t hesitate to reach out for assistance.

Plan Ahead

Consider your mental health care needs when budgeting for insurance costs. This will help you avoid interruptions in treatment. Being proactive can lead to better outcomes.

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.

Additional Resources

• HealthCare.gov – Open Enrollment

• Certified Application Counselors

• UnitedHealthcare ACA Marketplace Info

• Aetna CVS Health Marketplace Info

  
  

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.

Understanding Your Coverage

Navigating health insurance can feel overwhelming. I understand that many people have questions about their coverage and what changes might mean for them. It's essential to take the time to understand your options and make informed decisions.

The Importance of Mental Health Care

Mental health is just as important as physical health. It’s crucial to prioritize your well-being, especially during times of change. If you find yourself feeling anxious about the upcoming changes, remember that you are not alone. Many people share similar concerns.

Taking Action

Now is the time to take action. Review your current plan and explore alternatives. The more prepared you are, the smoother the transition will be. I encourage you to reach out for help if you need it.

Conclusion

In conclusion, the changes to Marketplace health insurance plans in 2026 will impact many individuals and families. By staying informed and proactive, you can ensure that your mental health care continues without interruption. Remember, I am here to support you through this process.

Let’s work together to navigate these changes and find the best path forward for your mental health needs.