In 2026, many early retirees could face a painful surprise, health insurance premiums that double or even triple what they pay today. The temporary subsidy expansions from the American Rescue Plan are set to expire, reshaping how Affordable Care Act credits are calculated. For retirees who’ve relied on those subsidies to keep costs manageable, understanding how Modified Adjusted Gross Income (MAGI) affects eligibility is now critical. This analysis breaks down what’s changing, who will be hit hardest, and what planning steps can help soften the blow before the new rules take effect.

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This does not constitute an investment recommendation. Investing involves risk. Past performance is no guarantee of future results. Consult your financial advisor for what is appropriate for you. Disclosures: https://onedegreeadvisors.com/solutions/#disclosures