No Subsidies Needed: Vault's ACA-Compliant Plans Offer a More Stable Path Forward

Premiums for Affordable Care Act (ACA) health plans are expected to surge 26% on average in 2026, one of the largest hikes since the law began more than a decade ago. The increase comes as enhanced federal subsidies expire and the government shutdown - now the longest in U.S. history - halts any deal to extend them. Without congressional action, millions of Americans will face sticker shock as coverage costs skyrocket.

According to CMS, premiums for benchmark plans on HealthCare.gov will rise 30%, while state-run exchanges will see an average 17% increase. These jumps don’t yet include the loss of subsidies - meaning actual costs could more than double for many households next year.

Roughly 92% of ACA enrollees (about 22 million people) rely on enhanced subsidies to afford coverage, and 1 in 10 would lose all tax credit support if the program ends. The subsidies, first expanded in 2021, helped drive record enrollment of 24 million Americans. Without renewal, the CBO projects that 4 million more people could become uninsured by 2034, reversing years of progress and straining the individual insurance market.

Vault ACA-Compliant Coverage: Affordable. Stable. Built to Last.

While many Marketplace plans are at the mercy of government funding and political gridlock, Vault’s ACA-Compliant Coverage provides a stable, affordable alternative designed for long-term reliability.

Unlike exchange-based plans, Vault’s ACA options are not tied to federal subsidies or shutdowns, ensuring that coverage and pricing remain consistent year after year. Even as ACA premiums soar nationwide, Vault’s plans are expected to see only minimal rate adjustments, thanks to their sustainable design and proactive cost-management strategies.

Vault ACA Plans offer:

• Predictable pricing not tied to subsidy programs

• PPO-based structure

• Stable coverage through any federal or political changes

• Built-in affordability designed to last beyond short-term legislation
  

While millions of Americans brace for doubled premiums and reduced benefits, Vault members can count on consistent, compliant coverage that delivers real value - without the volatility of Washington politics.

Vault ACA plans: built for stability, priced for sustainability. To inquire about our plans, email sales@allthingsvault.com.