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• ACA Subsidies & Costs

  ACA subsidies include the Premium Tax Credit, which lowers the monthly premium of a Marketplace plan, and Cost-Sharing Reductions, which lower deductibles, copays, and out-of-pocket limits on Silver plans for eligible enrollees, according to HealthCare.gov and IRS (2026).

• Affordable Care Act (ACA)

  The Affordable Care Act (ACA), signed in 2010, is the U.S. federal law that created the Health Insurance Marketplace, premium tax credits, and consumer protections such as guaranteed coverage of pre-existing conditions, according to HealthCare.gov.

• Health Insurance Marketplace

  The Health Insurance Marketplace is the federal (HealthCare.gov) or state exchange where individuals and families shop for ACA-qualified health plans, check subsidy eligibility, and enroll during Open Enrollment or a Special Enrollment Period, per CMS (2026).