If you're planning to retire early, we need to talk about health care.

Specifically, what is about to happen to your ACA premiums?

Enhanced tax credits that have kept marketplace insurance affordable are potentially going to

dramatically change in 2026. And for many early retirees, this could mean premiums doubling

or even tripling. Today we're breaking down who

could get hit hardest, how much costs could jump, and what you need to do now to protect

yourself.

Hello, hello, hello, hello, and welcome to the Bigger Pockets Money podcast. My name is Mindy Jensen,

and with me as always is my HealthShare's co-host, Scott Trent.

Thanks, Mindy, so great to be here and thank you for ensuring that all of us know what's going on with health care in America today for the financially independent.

With us today we have a very special guest.

Matt McGough is a policy analyst at KFF where he conducts policy research on the Affordable Care Act,

also known as the ACA or Obamacare, and its effects on private insurers and enrollees,

as well as analyses on health spending, quality of care, access, and affordability.

KFF is an independent source for health policy research, polling, and journalism,

and I spent a lot of time

on KFF in the last week or two trying to wrap my head around this issue. It's a wonderful,

wonderful resource. Matt, thank you so much for joining us today. And thanks for all the work

you do over at KFF. Yep. Thank you for having me. Happy to be here. I thought that we could start

off the discussion here by just framing health care in America. How do most Americans get their health care here in

2025? Most Americans receive their health insurance through their employer. That's about half the

country or about two-thirds of people with insurance. Over a third or part of a public program run by the

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