In this video I’m sounding the alarm on something I’m not seeing enough people talk about: the ACA “subsidy cliff” coming back for 2026—and it’s a lot worse than you think. Everybody’s focused on whether enhanced subsidies get extended, but the real problem is millions of people are going to end up overpaying for health insurance, especially the folks who actually need coverage the most. I walk you through the ACA income chart, how premium tax credits work, and why your tax household size (who you claim on taxes) matters when you apply. Then I show a real quote example to make it crystal clear. A 60-year-old couple around $80,000 income can be getting about $2,200/month in premium tax credits, which can make plans look insanely affordable. But if they creep just over 400% of the federal poverty level—say $85,000—those credits can get cut off completely, and suddenly the cheapest barebones plan can jump to over $2,000/month. My takeaway: this cliff is brutal, it hits older households and bigger families the hardest, and you need to plan your income carefully so you don’t get blindsided.