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The Affordable Care Act marketplace is facing a massive premium spike in 2026 — and Congress is running out of time to stop it.
In this episode of Docs Outside The Box, Dr. Nii and Dr. Renee break down exactly why ACA premiums are increasing, what happens if Congress does nothing, and how this will impact:

• Medical students
• Residents & fellows
• Early-career doctors
• 1099 independent contractors
• Locums physicians
• Patients relying on marketplace plans

Whether you buy your own insurance or you care for patients who do — this episode gives you the real-world implications and action steps you need right now.

In This Episode You’ll Learn:

✔️ Why ACA marketplace premiums could jump 40–60%
✔️ How expiring federal subsidies affect patients AND physicians
✔️ Why independent contractors will feel the biggest financial hit
✔️ The impact on hospitals, uninsured rates & ER volume
✔️ What doctors can do NOW to prepare (financial steps included)

🎧 Perfect Episode For:

• Medical students navigating their first insurance decisions
• Residents & fellows in high-deductible plans
• New attendings planning their 2026 budgets
• Locums docs & 1099 contractors buying their own insurance
• Any clinician wanting clarity on the latest healthcare policy changes

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LINKS MENTIONED

ACA Premium Spike Analysis — HealthSystemTracker
https://www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/?utm_source=chatgpt.com

Subsidy Expiration Breakdown — Center on Budget and Policy Priorities
https://www.cbpp.org/research/health/health-insurance-premium-spikes-imminent-as-tax-credit-enhancements-set-to-expire?utm_source=chatgpt.com

Congressional Update on ACA Debate
https://cnycentral.com/news/nation-world/congress-enters-crunch-time-to-figure-out-how-to-deal-with-aca-subsidies-affordable-care-act-obamacare-health-insurance-premiums?utm_source=chatgpt.com

Independent Contractors & ACA Tax Credit Changes
https://jasonfintips.com/insurance-risk-management-blog/affordable-health-insurance-for-independent-contractors-understanding-the-new-aca-tax-credit-changes/?utm_source=chatgpt.com

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