"The subsidy change involves removing the percentage cap on maximum payments. Previously, premiums were capped at 8.5% of your income even when you earned over 400% of the poverty level. For a family of two, the poverty level is $21,150, so at 4 times that amount ($84,600), there were technically no traditional subsidies. Still, there was a percentage capa different form of subsidy."
"To be clear, we're very fortunate that this is aggravating rather than a genuine crisis. And to be fair, we live in a rural mountain area notorious for high health costs. But the doubling is real all over. The Question for Our Industry This raises a significant question: since few people can easily spend this kind of moneylet alone also afford to buy a housewhat might this do to our buyer pool?"
Removal of the premium-percentage cap ended the prior limit that bound marketplace premiums to 8.5% of income for households above 400% of the federal poverty level. Some households have seen premiums double, for example rising from $1,600 to $3,100 per month. Approximately 24 million Americans held marketplace plans in 2025, with an estimated 1.6–2.0 million people above the 400% poverty threshold. For a family of two, 400% of poverty equals $84,600. Large premium increases reduce discretionary income and could materially shrink the pool of potential homebuyers, especially in high-cost rural markets.
Read at www.housingwire.com
Unable to calculate read time
Collection
[
|
...
]