Utah Avenue Insurance

⚠️ Heads up for 2026 health insurance ⚠️

The subsidy cliff is back. That means if your household income goes even $1 over 400% of the Federal Poverty Level, you could lose all help toward your Marketplace health plan and be forced to pay full price — potentially thousands per year.

Important reminder 👉 AGI ≠ taxable income. Marketplace subsidies are based on your total gross income before the standard deduction, not what you see at the bottom of your tax return.

If your income is close to the limit or changes year to year, let’s review it before it becomes an expensive surprise.
📞 Talk with your local agent and make sure your numbers are updated.

Better coverage starts here.

utahavenue.com/single-post/the-subsidy-cliff-is-back-in-2026-what-you-need-to-know-about-your-health-insurance-costs

✅ Already enrolled in a Marketplace plan? Don’t worry—your coverage is still active!

There’s been a lot of talk about the new health insurance rule changes, but here’s what really matters:

👉 If your income and immigration documents are up to date and you’ve filed your 2023 taxes, you’re good to go!

However, a few groups need to stay alert:
📌 Immigrants with expiring or pending legal status
📌 Anyone who hasn’t filed their 2023 tax return
📌 Those whose 2024 income may differ greatly from what’s on their application

📬 If you get a confusing letter from the Marketplace, call your agent at Utah Avenue Insurance right away. We’ll help you figure it out and keep your plan on track.

https://www.utahavenue.com/single-post/still-covered-what-the-new-marketplace-rule-means-and-doesn-t-mean-for-your-2025-health-plan

🛡️ Better coverage starts here.