What’s Happening

Since 2021, the federal government offered enhanced subsidies (premium tax credits) to make health coverage more affordable.
These enhanced subsidies will end on December 31, 2025, unless Congress extends them.

Starting January 1, 2026:

• You may receive a lower subsidy
• Your monthly premium on your 2025 plan may increase
• Even if you don’t receive a subsidy, your premium could still be higher

What to Expect

2025:

• Premiums amounts remain the same unless your income or household size change
• Enhanced premium tax credits end on Dec. 31, 2025

2026:

• Your subsidy may continue but may be reduced
• Income Verification: You may be asked by your Marketplace to submit proof of income and your tax return
• State Support: CA, CO, MD, and WA may offer additional financial help

What You Can Do

• Read all notices from Kaiser Permanente and your Marketplace
• Update your info: Log in to your Marketplace account to confirm income and household details
• Check your 2026 premium: Visit your Marketplace starting Nov 1, 2025
• Consider less expensive plan options:
  • Renewing members: yourkpplan.org/compareplans
  • New members: Kaiser Permanente Plans
• File your taxes every year to prevent any interruptions to financial help
• Have income documents available for verification
• Stay updated: Go to kp.org Notifications to update contact information and enable alerts

Marketplace Websites

Need help selecting a plan? Contact a Kaiser Permanente plan specialists at 1-877-349-7577 or your state Marketplace for help.