At the end of 2025, millions of Americans lost access to enhanced ACA premium tax credits. For many households, that meant sudden premium increases and pushed affordable coverage out of reach for many individuals and families.

For agents, it marked more than a policy change. It tested communication, preparation, and trust. While agents can’t control subsidies, they can control how prepared they are to guide clients through disruption. 

And in moments like this, business as usual doesn’t cut it. Agents need education, answers, and options. Their clients do too. This resource uses the expiration of enhanced ACA subsidies as a real-world scenario to serving your clients through the most challenging situation.

These aren’t one-time fixes for a one-policy moment. They are strategies agents can rely on and repeat whenever the industry shifts again, and it most certainly will.