Subject: ACA: Catastrophic plans & HSAs
Be nice if the enhanced subsidies were extended or made permanent. Not planning on it.

There is some good news, however:

https://www.whitehouse.gov/res...

“Effective January 1, 2026, the OBBB reclassifies Bronze and Catastrophic ACA Marketplace plans as qualifying HDHPs, enabling millions more enrollees to open and contribute to HSAs without having to change insurance plans.
…

On September 3, 2025, the Centers for Medicare and Medicaid Services (CMS) announced changes to catastrophic enrollment processes that will further expand the number of Americans eligible for HSAs. Previously, catastrophic plans were restricted to those under 30 years old or individuals who qualify for a hardship exemption. CMS has expanded eligibility for those over 30 to qualify for catastrophic plans through the Obamacare law’s hardship enrollment pathway.”

Got an email from Healthcare.gov yesterday, saying we won’t get subsidies, but could get a catastrophic plan. I’ll certainly look at it. Our current Bronze plan has $10k deductible per person. How much higher is a catastrophic plan?

This is the way the Republicans want to push it, I think - tax deductions (HSA), pay out of pocket.