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A couple months past open enrollment and the reality is setting in for self-employed individuals and small business owners. Health insurance premiums for 2026 Marketplace plans increased dramatically after the enhanced ACA subsidies expired. I'm seeing people with $1,500-2,000 monthly premiums for the same coverage they had in 2025. Middle-income earners who don't qualify for subsidies are exploring alternatives like short-term health insurance, health sharing ministries, association health plan
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