“Others, such as those with incomes above 400% of the federal poverty level, who will lose subsidies altogether, may choose to exit the Marketplace," according to a new KFF report.

Several experts noted that “requiring enrollees to select a bronze-tier or catastrophic plan to access the HSA contributions” could worsen affordability.

Amazon's health plan has more participants than New Mexico has residents, and almost as many participants as Mississippi has residents.

As benefits professionals seek to optimize participant engagement and retirement readiness in 2026, they should consider how participants reacted to market trends in 2025.