Subject: Re: ACA for next year
Estimating our income this year, it looks like our subsidy won't change much. We should be below the 400% FPL level (since we're a couple, that's $84600 for 2026). Same bronze plan as we have now.

You can play with scenarios here. It gives estimates with and without enhanced PTC.

https://www.kff.org/interactiv...

This is what I get putting in 400% FPL for income - to avoid the subsidy cliff:
Based on the information you provided, your income is equal to 400% of the poverty level. This means you are likely eligible for financial help through the Health Insurance Marketplace, even without enhanced premium tax credits.

Estimates of your cost for coverage and amount of financial help are provided below, along with estimates of what you would pay if enhanced premium tax credits were unavailable. Your cost for a silver plan would increase by $183 per month ($2,199 per year) without enhanced premium tax credits.

And if go to 401% FPL:
Based on the information you provided, your income is equal to 401% of the poverty level. Without the IRA enhanced premium tax credits, those making above 400% of the poverty level would be ineligible for financial assistance.

Estimates of your cost for coverage and amount of financial help are provided below, along with estimates of what you would pay if enhanced premium tax credits were unavailable. Your cost for a silver plan would increase by $1,836 per month ($22,032 per year) without enhanced premium tax credits.

Extra $20k!

I actually think the enhanced subs will be retained, at least somewhat. But best to plan as if they will not be.