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The premium is the number people compare plans on and the one that tells you least about a bad year. What decides the cost is the deductible, the out-of-pocket maximum, whether you qualify for cost-sharing reductions, and whether you enrolled by the date that starts coverage in January rather than February. These guides work from the CMS parameters and the HealthCare.gov calendar, and name the date the figures were published.
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The rule that removed the income ceiling on Marketplace premium tax credits applied to tax years 2021 through 2025. It has lapsed. Above 400% of the federal poverty line there is now no credit at all, not a smaller one.
The rule that would have closed the federal window on 15 December was struck down in court. CMS has confirmed the dates: 1 November to 15 January. But 15 December still decides when your coverage starts.
The premium is the number people compare plans on, and it is the one that tells you least about a bad year. How the four cost numbers fire in sequence, what the $12,000 ceiling for 2027 does and does not cap, and the silver-plan rule that decides whether you get cost-sharing help at all.