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2026 Healthcare Overhaul: Rising Costs and ACA Changes Impacting El Paso Residents

KVIA•Wednesday, February 18, 2026 at 9:19 AM•Stacker

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In 2026, El Paso residents will face significant changes in healthcare costs and coverage options due to rising premiums and shifts in the Affordable Care Act (ACA) and Medicare. Health insurance premiums are expected to increase by 5% to 6% for most employers, with small businesses seeing hikes of around 11%. The expiration of enhanced premium subsidies will lead to a decrease in ACA enrollment, dropping from over 24 million in 2025 to under 23 million. Medicare will also see changes, including a new pilot program for prior authorization and increased out-of-pocket costs. These developments will affect access to healthcare for many, prompting individuals to consider alternative payment options and review their insurance plans carefully.

Key Details: • Expect health insurance premiums to rise by 5-6% in 2026. • ACA enrollment is projected to drop below 23 million due to higher costs. • Medicare Part D out-of-pocket maximum will increase to $2,100. • Individuals should review their insurance coverage and expected costs for 2026.

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