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Answers
Plain-language answers about U.S. health coverage rules, checked against public CMS and HHS data.
Explainer
Lawfully present and under 100% of the poverty level: the subsidy rule that already changed on January 1, 2026
A rule that let lawfully present people below the poverty line get Marketplace subsidies when their immigration status blocked them from Medicaid was removed for tax years starting in 2026. It is already in force, it is not the 2027 change, and it reaches green card holders too.
Explainer
Do green card holders keep Marketplace subsidies in 2027?
Yes — the 2027 subsidy restriction does not apply to lawful permanent residents. Green card holders keep premium tax credit eligibility under the same income rules as before, with one income-related exception that already took effect in 2026. Here is exactly what the law says.
Explainer
Who loses ACA Marketplace subsidies on January 1, 2027 — and who keeps them?
Federal law changes who can receive Marketplace subsidies starting January 1, 2027. The right to buy coverage is not ending — the subsidy rules are changing. Here is exactly who is affected, and what is not changing.
Explainer
When does open enrollment for 2027 health plans start and end — and why do the dates keep changing?
Open enrollment for 2027 Marketplace plans starts November 1, 2026 everywhere. The end date was fought over in court — here is where it stands now, state by state, and the one deadline that holds no matter how the appeal ends.
Explainer
The public charge rule changes on September 18, 2026 — what it is, and what it is not
DHS rescinded the 2022 public charge regulation. From September 18, 2026, officers weigh a green card or admission application under a broader, case-by-case standard. Here is what the rule actually says, what stays protected, and what is still unknown.
Explainer
Two cost shocks, not one: what already changed in 2026, and what changes on January 1, 2027
For many immigrant households the 2027 subsidy restriction is the second change, not the first. Enhanced subsidies expired at the end of 2025, a separate income rule took effect January 1, 2026, and repayment caps were removed for the 2026 tax year. Here is what each change did, and who is hit by more than one.
Explainer
Losing the subsidy is not losing the plan: four things people mix up
The subsidy, the plan, the enrollment window, and the price are four separate things. Mixing them up is how people drop coverage they could have kept, or miss a plan-change right they actually had. Here is how they come apart.
Explainer
Ukraine TPS and the October 19, 2026 date: what it decides, and what it does not decide about health coverage
Ukraine's TPS designation runs through October 19, 2026, and the law requires a decision about it roughly 60 days earlier. Separately, two federal health coverage rules change for TPS holders — on October 1, 2026 and January 1, 2027 — and those happen either way. Here is how the two questions split.
Explainer
U4U humanitarian parole: which benefits turn on the September 30, 2024 date — and what changes in 2026 and 2027?
For people paroled from Ukraine, two separate clocks are running: the fixed 2022–2024 window that decides refugee-class benefits, and the 2026–2027 federal coverage changes that apply to parolees regardless of that window. Here is how the dates actually split.