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New ACA Catastrophic Plans Expand Amid Rising Premiums

9/18/2025

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Summary

Story summary

The U.S. Department of Health and Human Services will expand eligibility for Affordable Care Act (ACA) catastrophic health insurance plans starting November 1, 2025.
This initiative aims to improve access due to anticipated premium increases for 2026 marketplace plans.
Catastrophic plans cover essential health benefits after high deductibles, projected to reach $10,600 in 2026.
New hardship exemptions will apply to adults earning over 400% of the federal poverty level.
Arkansas anticipates a 36.1% average premium increase in 2026, which may drive consumers to seek more affordable options.

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Story summary

The U.S. Department of Health and Human Services will expand eligibility for Affordable Care Act (ACA) catastrophic health insurance plans starting November 1, 2025.
This initiative aims to improve access due to anticipated premium increases for 2026 marketplace plans.
Catastrophic plans cover essential health benefits after high deductibles, projected to reach $10,600 in 2026.
New hardship exemptions will apply to adults earning over 400% of the federal poverty level.
Arkansas anticipates a 36.1% average premium increase in 2026, which may drive consumers to seek more affordable options.