ACA Marketplace Financial Help May Change in 2026

How the Change in Enhanced ACA Tax Credits Could Impact You

• Your health insurance premiums for the remainder of 2025 will stay the same.
• Since 2021, enhanced premium tax credits have increased the financial help available to individuals to pay their Marketplace health insurance premiums.
• If enhanced premium tax credits are not extended, they will expire on December 31, 2025. 
• Premium tax credits, also known as subsidies, will still be available in 2026, but the amounts may be lower. This means you could pay more out of pocket for Marketplace coverage. 
• These changes impact those enrolling in or renewing a Marketplace health insurance plan for 2026 coverage.

Understanding Your 2026 Health Insurance Costs

If you are currently enrolled in a Marketplace health plan through Covered California, you should receive information about your 2026 renewal options and premium costs by November 2025. If you are new to the Health Insurance Marketplace, you can visit Covered California starting November 1, 2025, to review options, compare costs, and enroll.

How Anthem Supports You

• We connect you with quality Marketplace health plans. 
• We provide tools and offer support to help you determine if you’re eligible for financial help to lower your costs.
• As participants in the Marketplace, we adhere to federal laws and comply with any changes affecting health coverage.

Next Steps for You

• If you’re an Anthem Marketplace health plan member, visit My Anthem Choices to take steps to renew your plan or compare options.
• Gather income documentation, such as recent pay stubs, W-2s, 1099s, or prior-year tax returns — especially if you’re a freelancer, gig worker, or self-employed contractor with variable income. 
• If you’ve received ACA tax credits to lower your monthly premium payment, you must file a federal tax return and complete Form 8962: Premium Tax Credit.
• If you have a Covered California profile, make sure it reflects your current household size, dependent status, and mailing address. These details can impact your eligibility for premium tax credits. 
• In some states, existing Marketplace enrollees with a $0 monthly premium may be required to provide requested financial documentation for verification of income. Failure to provide documentation may result in a $5 monthly premium charge in the future.
• Review your care needs and budget so you’re prepared to choose the best 2026 health plan for your family. 
• Visit Covered California to find a plan that suits your needs and budget. Anthem is here to assist you, or you can contact your broker.

Other Factors That Could Impact Your Payments in 2026

Your monthly Marketplace health plan premium is influenced by factors including your age, location, plan type, household income and size (which determines any financial help you may qualify for), and tobacco use. Changes to any of these factors — as well as shifts in medical costs and other changes in the healthcare arena — may impact your premium from year to year.

Anthem Is Here to Help

We’re here to help guide you through upcoming changes so you can confidently choose the right Marketplace health plan. If you have any questions, you can contact us.

• Current Anthem members, please call 888-561-7995 (TTY: 711)
• If you’d like to enroll in an Anthem health plan, please call 877-771-8951 (TTY: 711)
• If you’re not sure which health plan is right for you, we can help. Just answer a few questions to find your plan.

Learn More About Marketplace Health Insurance

Feel lost or confused when it comes to health insurance? We’ve gathered a series of helpful articles to answer your questions.

Learn about ACA basics 

Anthem Blue Cross is the trade name of Blue Cross of California. Independent licensee of the Blue Cross Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc.

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