There has been considerable confusion surrounding Affordable Care Act (ACA) Marketplace subsidies, especially following the expiration of the enhanced financial assistance that was introduced during the COVID-19 pandemic. Many consumers are asking the same questions: Are subsidies still available, who qualifies, and how do they work?
The good news is that ACA subsidies have not disappeared. However, the rules governing eligibility and the amount of financial assistance available have changed significantly beginning in 2026.
What Are ACA Subsidies?