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Story summary
- The end of 2025 will bring a lapse of Affordable Care Act (ACA) marketplace subsidies, leaving millions exposed to potential tax bills.
- For 2026, the subsidy cliff thresholds are $62,600 for individuals and $128,600 for a family of four.
- Experts warn many enrollees have volatile incomes, making it hard to predict earnings.
- Households above the limit may owe thousands in repayments, with some estimates up to $20,000 for certain couples.
