(2025 Marketplace Integrity & Affordability Final Rule)

🚨 Key Changes at a Glance

DACA Recipients Lose Coverage — “Lawfully present” no longer includes DACA holders. About 10,000 people lose ACA coverage immediately.
Year-Round Sign-Up Axed for Low-Income — Those at/below 150% FPL lose year-round enrollment until end of 2026.
$5 Monthly Charge for Auto-Renewals (2026 Only) — If you don’t re-verify eligibility, you’ll pay $5/month until you do.
Tighter Eligibility Checks — No more auto-verification, no 60-day extension, stricter proof requirements, no self-attestation if IRS data is missing.
 
📉 Expected Impact

Coverage Loss — CMS predicts 750,000–1.8 million people may lose ACA plans.
Premium Drop — Projected 5% decrease in marketplace premiums, saving ~$12B in 2026.
More Paperwork & Delays — Stricter verification means longer, more complex enrollment processes.
 
💡 Bottom Line

If you rely on ACA coverage, act early this year. Verify your eligibility, gather your income documentation, and watch out for special enrollment deadlines.

📲 Questions or Need Help?

Our licensed agents are here to guide you through the changes and protect your coverage.
(888) 488-4095