The below content has been transcribed from “Suben lo Precios de Obamacare 2026: Descubra Por Qué” and translated to English.
TRANSCRIPTION
Carlos:
Good afternoon and welcome to the Freedom Group channel. As you know, we are a group of three companies offering accounting, tax, insurance, financial planning, and real estate services.
November 2025 has arrived, and the enrollment season to choose your health plan through Obamacare has begun.
Many families are now seeing an increase in their monthly Obamacare health insurance premiums and costs, and they don’t know why. This video will explain it.
To discuss this topic, I’m going to bring in my coworker,YennireeHow are you, Yenniree?
Yenniree:
Excellent, Carlos, thank God. And you?
Carlos:
Everything is fine, thank the Lord.
Yenniree is our president ofFreedom Insurance, a true authority on the subject of financial planning and health insurance.
Ms. Yenniree, Obamacare open enrollment has begun, and many clients and families are seeing a significant increase in their health insurance costs. What’s going on?
Yenniree:
That’s right, Carlos. We’re happy because another season of Obamacare has begun, where we can secure and plan for the future health of all the people we help.
Yes, we have seen many changes, including an increase in insurance prices. This is mainly due to two reasons.
Number one: insurers increased their prices on the cost of insurance because, after the pandemic, there has been a much greater use of health services.
Number two: it was eliminated or came to an endRescue Actwhich was implemented in April 2021, during the pandemic.
That law allowed families to receiveplus tax creditThis reduced the monthly cost of many plans. As a result, from 2021 until this year, many people paid very little or even nothing for their health insurance.
Now that that aid has ended, prices have returned to normal. It’s not that they eliminated the tax credit, but rather thatreturned to previous levelsto the pandemic.
That’s why we’re seeing considerable increases, from a20% and up to 40%in some companies. If we combine the increase in insurance prices with the reduction in the tax credit, the change is significant.
Carlos:
That’s right, and it’s interesting because this isn’t just happening in the health insurance industry. In many areas of the economy, the government provided temporary aid during the pandemic, but that aid wasn’t permanent.
The problem is that they lasted almost four years, and now that they have been eliminated, many people are feeling the impact.
In fact, part of the current dilemma in Congress is that one party wants to extend that aid and another says it is no longer necessary.
Some advisors are recommending waiting before registering, until Congress reaches an agreement.
Do you recommend that people wait, Yenniree?
Yenniree:
Definitely not, Carlos. There are a lot of changes this year, and we need to act quickly.
We are talking about the health of families by 2026.
If Congress were to approve the tax credit increase again later, there would be no problem.
The client would already have their plan active, and we simply updated their application with the new tax credit.
For example, if a person currently pays $100 per month, and the tax credit increases, we would reprocess their application and the payment could drop to $40 without losing coverage.
Waiting only creates uncertainty, becauseThere is no set date.for a decision by Congress.
It’s best to sign up now so that your coverage is active on January 1st.
Carlos:
I agree. Healthcare shouldn’t depend on politics. You never know what might happen, and there are people with medical conditions who can’t afford to be without insurance.
In addition, you offer a free review. If someone notices that their plan price has increased, what should they do?
Yenniree:
All the plans have gone up, Carlos. The same plan that cost $100 last year might cost $300 now.
What we must do islook for alternatives.
Previously, most people chose between a Silver or Bronze plan, but this year there are more options, such as theplanes Goldwhich in some counties offer excellent benefits with the samenetworkdoctor.
This year our job is to truly advise each client according to their medical conditions, doctors and frequency of insurance use.
Each case is different and we must review everything in detail to find the best plan.
Carlos:
That’s right. This year more than ever, people should work with a professional. Some people buy their plan directly from the marketplace without guidance and end up making mistakes.
What are the most common mistakes you see in those cases?
Yenniree:
The most common mistake ischoose the plan based solely on price.
They do not evaluate deductibles, co-payments, orcoinsurance.
Furthermore, they don’t check if thenetworkthe doctors changed.
Companies can modify their networks of hospitals or specialists each year.
Another mistake is not sending the additional documentation requested by the marketplace, which can causelose the subsidyor even full coverage.
As agents, we have direct access to market platforms and can send those documents in minutes, ensuring that coverage is not interrupted.
That’s why I insist: use a professional.It’s free..
The customer doesn’t pay anything extra, but receives help, follow-up, and peace of mind throughout the year.
Carlos:
Excellent. And to wrap up, what final advice do you have for those who are in this registration process?
Yenniree:
My advice is simple:don’t wait.
Seek professional help, compare options, and make sure you have health coverage through 2026.
Don’t be discouraged by the price increases; there are plenty of alternatives.
In Freedom Insurance We work with all companies, in several states, and always look for the best option for each client.
You can call us at 407-344-1228 for a free evaluation.
In just 10 minutes we can help you choose your plan and provide support throughout the year.
Carlos:
Very well, you already know.
There’s no excuse: request your free consultation with the team at Yennireein Freedom Insurance 407-344-1228.
Consultations can be in person, by phone, WhatsApp, or Zoom.
Don’t overpay for your insurance; make sure you have the best plan for you and your family.
Thanks for watching this video, give it a likelikeShare it, and remember that at the Freedom group we can help you with taxes, accounting, insurance, financial planning and real estate.
Have a wonderful day and God bless you!
Summary: Obamacare Prices Are Going Up in 2026: Find Out Why
In this video, Carlos and Yenniree, President of Freedom Insurance, explain why Obamacare plan prices are rising significantly in 2026 and what families can do to protect their budgets and health coverage.
The increase is driven mainly by two factors:
- Higher insurance costs due to increased use of medical services following the pandemic.
- The end of the 2021 American Rescue Plan enhancements, which temporarily increased federal premium tax credits.
For about four years, this aid allowed thousands of families to pay much lower premiums — or even $0. Now that the extra subsidy has ended, prices are returning to pre-pandemic levels, resulting in increases of roughly 20% to 40%, depending on the plan and location.
Despite uncertainty in Congress, Yenniree advises not to wait. She explains that it’s best to enroll now, secure a plan that fits your needs, and if further aid is approved later, the updated tax credits can be applied retroactively. Waiting could be risky — you might start 2026 without active coverage.
Freedom Insurance also stresses the importance of working with a professional agent. Many people select plans based solely on price, overlooking deductibles, co-pays, coinsurance, provider networks, and marketplace documentation requirements. Insurers update benefits and doctor networks each year, so a plan that worked last year might not cover the same physicians or medications this year.
The Freedom Insurance team offers personalized, free consultations to compare options, review coverage, and find a plan suited to each client’s medical and financial situation. Consultations are available in person, by phone, via WhatsApp, or on Zoom, with support throughout the year.
Carlos concludes by reminding viewers that health care should never be left to chance or politics. With professional guidance, every family can choose the best plan, avoid surprises, and protect both health and finances. Freedom Insurance is here to guide you step by step.
Helpful Links
- Freedom Insurance: https://freedominsurancefinancial.com/
- HealthCare.gov (Marketplace): https://www.healthcare.gov/
- Centers for Medicare & Medicaid Services: https://www.cms.gov/
- IRS – Premium Tax Credit (PTC): https://www.irs.gov/affordable-care-act/individuals-and-families/the-premium-tax-credit-ptc
- KFF Health Policy Research: https://www.kff.org/