If you rely on Affordable Care Act (ACA) marketplace health insurance, now is the time to pay attention — and take action. Thousands of Florida families could see their premiums jump by 75% or more when expanded federal ACA subsidies expire at the end of this year. For families already squeezed by rising grocery, housing, and utility costs, this surprise increase could turn a basic household expense into a huge financial strain.

The good news? You have options — but you need to plan ahead. Here’s what Florida families need to know about the ACA premium spike, who it impacts most, and how Island Insurance Group can help you protect your family’s health and budget.

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Why Are ACA Premiums Increasing?

When the COVID-19 pandemic hit, the federal government expanded premium tax credits to help millions of Americans afford health insurance through the ACA marketplace (Healthcare.gov). These larger subsidies made coverage more affordable for many families, especially middle-income households who previously made “too much” to qualify for help.

But those expanded subsidies are set to expire on December 31, 2025, unless Congress renews them. If they don’t, Florida families could see their out-of-pocket premiums rise sharply when it’s time to renew coverage for 2026. That means higher costs for the same health plan — or worse, losing coverage entirely if the new premium is simply too high to pay.

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Who Is Most At Risk?

The families most at risk are low- to moderate-income households that don’t have employer-sponsored health insurance and rely fully on the ACA marketplace for coverage. Many families who earn slightly above the federal poverty level benefit the most from these tax credits — and when they disappear, their monthly premiums can jump by hundreds of dollars.

College students, young families, small business owners, gig workers, and part-time employees are all in the high-risk group for sudden premium shocks. Many don’t even know these changes are coming.

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How Can You Protect Your Family?

No one wants to get blindsided by a massive bill. The smart move is to get ahead of the problem — before renewal letters arrive. Here are three steps every Florida family should take right now:

✅ 1. Review Your Current Policy
Double-check your renewal dates, plan benefits, and subsidy levels. Knowing exactly what you have today helps you compare your options if premiums rise.

✅ 2. Explore Supplemental Coverage
Adding a supplemental policy can help cover out-of-pocket costs or fill gaps if you have to switch plans. Many families don’t realize how affordable these add-ons can be — and how much they can save you when big bills hit.

✅ 3. Talk to a Local Expert
Insurance is complicated — but you don’t have to figure it out alone. Working with a licensed, local Florida insurance advisor can help you uncover money-saving options, plan smarter renewals, and avoid surprise gaps in coverage.

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Why Trust Island Insurance Group?

Island Insurance Group is your trusted Florida partner for health and life insurance. We understand the real risks Florida families face, from rising costs to confusing policies and unexpected claim denials. Our local advisors help you navigate every option — with honest advice, no high-pressure sales, and coverage plans that fit real budgets.

We’re here to make sure you stay protected and keep more money in your pocket.

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Take Action Today — Before the Premium Spike Hits

Don’t wait for the letter in the mail that says your premium is going up by 75%. The sooner you plan, the more options you’ll have — and the more peace of mind you’ll keep for your family.

👉 Call our Florida team today at 866-820-7430 Ext 201
🌐 Visit IslandInsuranceGroup.com

Island Insurance Group — protecting Florida families with smarter health & life insurance strategies that work in the real world.