10/29/2025
💥 “2025 ACA Rates Are Out — and the Subsidy Cliff Just Got Steeper.”
📉 The new ACA rates for 2025 are here, and the difference is bigger than ever.
For many households, even a small bump in income can now cause massive jumps in monthly premiums — sometimes over $1,000 more per month for the same coverage.
Here’s what’s happening right now:
✅ Subsidized rates: still affordable for lower incomes
🚫 No-subsidy rates: skyrocketing
💡 Private PPO plans: often 40–60% lower than ACA options
If you’re self-employed or make above the subsidy threshold, it’s critical to compare before locking into a Marketplace plan.
📲 I can help you find nationwide PPO plans with:
• No deductible or copays
• UnitedHealthcare Choice Plus network
• Tax write-offs for the self-employed
💬 Message me or visit healthbasedhealthcare.com to review your options for 2025 — it only takes a few minutes, and the savings can be huge.
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📊 2025 Subsidy Cutoff by Household Size
(If you earn above these amounts, you no longer qualify for ACA subsidies)
1 person: $62,600
2 people: $84,600
3 people: $106,600
4 people: $128,600
5 people: $150,600
6 people: $172,600
7 people: $194,600
8 people: $216,600
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