ACA Premium Hikes, Expiring Subsidies, and the ICHRA Ripple Effect: What to Watch in 2026

By Justin Leader

With the enhanced ACA subsidies set to expire and insurers filing for 15–20%+ premium increases in 2026, many are bracing for what could be a massive affordability shock for middle-class families, especially those who have relied on expanded subsidies since 2021.

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Another Pharma Mfg. Bypasses Middlemen – Costs Drop More Than 40%

We are beginning to see pharmaceutical manufacturers breaking away from supply chain middlemen (PBMs) saving consumers imbedded commissions (rebates) for savings of 40% and more. For example Novo Nordisk Direct and Lilly Direct offer certain GLP-1 drugs for $500 or less, a more than 50% price drop.

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