HHS Catastrophic Coverage Hardship Exemption Guidance

The provided guidance from the U.S. Department of Health and Human Services (HHS) expands upon existing hardship exemption policies for catastrophic health coverage. This new guidance, released on September 4, 2025, aims to help individuals access affordable health plans, particularly in anticipation of premium increases for the 2026 plan year. Specifically, it clarifies that individuals who are ineligible for advance payments of premium tax credits or cost-sharing reductions due to their projected household income may qualify for a hardship exemption to enroll in catastrophic plans. These plans are characterized by low monthly premiums and high deductibles, designed to protect against significant medical costs. The guidance does not introduce new regulations but offers an additional example of a hardship, with applications becoming available starting November 1, 2025.

For more information on this guidance, give us a call at (520) 721-4848.

Your 2026 Individual & Family Health Plan Transition Toolkit

A Step-by-Step Guide to Finding New Coverage When Banner/Aetna Leaves the ACA Marketplace

If you’re one of the 1 million people affected by CVS Health’s decision to exit the individual ACA market, it’s completely normal to feel overwhelmed. The good news? You will have other options—and the earlier you start preparing, the smoother the switch will be.

Here’s how to take control of your health coverage transition:

🛠 Your 2026 Health Plan Transition Toolkit

Step-by-Step: How to Find a New ACA Plan When Aetna Leaves the Market

If you’re currently enrolled in an Aetna plan through the ACA marketplace, you’ll need new coverage starting in 2026. But don’t worry—you’re not alone, and there are plenty of good options still available. The key is planning ahead and getting the right guidance.

Here’s how to make the switch with confidence:

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