AJMC December 2, 2025
Sabrina McCrear, Ben Light Fact checked by: Giuliana Grossi

With ACA subsidies ending in 2025, Ben Light explains how rising premiums may push individuals toward ICHRAs and reshape employer health coverage strategy.

The Affordable Care Act subsidies—expanded in 2021 to offer broader coverage for families and individuals—are set to expire come January 1, 2026.

ICHRAs allow individuals to “customize” their health care coverage, Light said in an interview with The American Journal of Managed Care® (AJMC®). Under this course of coverage, employees select their own marketplace insurance plans and are then reimbursed for their premium costs from their employer, who decides how much they will reimburse employees based on a benchmark index plan in the marketplace.1 Yet, many people may not be able to afford their premiums up front...

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Topics: ACA (Affordable Care Act), Employer, Insurance, Interview / Q&A, Trends
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