8/21/2025
What This Means for You
If you’re on a Marketplace plan without significant subsidies, you could be looking at hundreds—or even thousands—more in annual costs. High premiums paired with large deductibles can make it harder to actually use your insurance.
The Good News: Alternatives Exist
Exclusive off-marketplace options can offer:
- Lower Premiums – Often 20–40% less than ACA plans.
- Lower Deductibles – As low as $1,000–$2,500.
- National PPO Coverage – See providers anywhere in the U.S.
- No Tax Credit Risks – Stable premiums that don’t depend on income projections.
Why Act Now
Once rate increases take effect, your annual costs will rise—and switching plans mid-year can be more difficult unless you qualify for a special enrollment period. Exploring your options now means you can lock in better coverage before the hikes hit.
Final Thought: Marketplace plans aren’t your only choice. If you want lower premiums, smaller deductibles, and true nationwide coverage, now is the time to explore off-market options.
Want to see how much you could save before 2026? Call (716) 503-1113 for a free consultation.