2027 Health Insurance Rate Increases by State: How Much Premiums Are Rising and What to Do
Quick answer: ACA Marketplace premiums are going up again in 2027. Among the 32 HealthCare.gov states below, average increases range from 6% in Arkansas to 29% in Arizona, and nationally the median proposed increase is about 15% before subsidies (HealthInsurance.org). Most people who get a tax credit will see some or all of the increase […]
Why the ACA Subsidy Cliff Hits High-Income Households Hardest in 2026
Quick answer: For 2026 coverage, ACA premium tax credits end completely at 400% of the federal poverty level: $62,600 for a single person, $84,600 for a two-person household, and $128,600 for a family of four. Earn one dollar over the line and the credit drops to zero. Households just above the cutoff pay the full […]
Gig to Gig: Why Waiting for Open Enrollment Doesn’t Work When Your Income (and Location) Keep Changing
A contract ending, a slow quarter, or a big new client doesn’t qualify you for a Special Enrollment Period, so contractors often end up stuck with a plan that stopped fitting months ago. This guide breaks down where the ACA calendar breaks down for gig workers and how year-round private plans fill the gap.