Oct 28, 2026 · 12 min · 8 segments
Retired before 65 or self-employed? Your marketplace health insurance probably costs a lot more this year. In this episode…
All right, getting back to our topic of the day, marketplace sticker shock.
Who does this affect the most?
As I mentioned at the beginning of the economic update, there's a K-shaped economy that's developing where the people on the higher end of the spectrum, wealthier, invested in the stock market, they've benefited from the gains there that you're seeing within the market.
If they're well-invested and diversified, they're catching a lot of that appreciation with stocks.
And the other side of it, though, is the people that are on the lower income side, Think of folks that are on a very fixed income.
Just as an example, say if you have $100 a week to spend on stuff and you were spending $20 on gas, that gas price might be $40 of your weekly allocation.
So what should people know before re-enrolling in a Marketplace health insurance plan for 2027?
The people who retired before 65 and are not on Medicare yet, those people are being affected a lot, and so are the people that work for themselves.
If that's you, health insurance is probably one of your biggest bills in your budget, and it's changed a lot this year.
So who really has been the one that's felt this the most?
Well, so people with income above what we would call a subsidy cliff, if anyone's familiar with that, the group was only about 3% of signups for 2025, but they accounted for 27% of the drop-offs this year, actually.
So a lot of people just walked away? A
All right, getting back to our topic of the day, marketplace sticker shock.
Who does this affect the most?
As I mentioned at the beginning of the economic update, there's a K-shaped economy that's developing where the people on the higher end of the spectrum, wealthier, invested in the stock market, they've benefited from the gains there that you're seeing within the market.
If they're well-invested and diversified, they're catching a lot of that appreciation with stocks.
And the other side of it, though, is the people that are on the lower income side, Think of folks that are on a very fixed income.
Just as an example, say if you have $100 a week to spend on stuff and you were spending $20 on gas, that gas price might be $40 of your weekly allocation.
So what should people know before re-enrolling in a Marketplace health insurance plan for 2027?
The people who retired before 65 and are not on Medicare yet, those people are being affected a lot, and so are the people that work for themselves.
If that's you, health insurance is probably one of your biggest bills in your budget, and it's changed a lot this year.
So who really has been the one that's felt this the most?
Well, so people with income above what we would call a subsidy cliff, if anyone's familiar with that, the group was only about 3% of signups for 2025, but they accounted for 27% of the drop-offs this year, actually.
So a lot of people just walked away? A
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