The Smarter Healthcare Solution for 2026: OneHealth + Cigna Step In as Rates Surge

By Gabriel | Foss Financial Group

If you’re a family, business owner, or self-employed professional preparing for 2026, there’s major news you need to hear about your health coverage.

The 2025 Federal Tax and Spending Bill is changing the healthcare landscape — and not for the better. According to the new provisions, ACA subsidies are being reduced, eligibility requirements are tightening, and small businesses could face higher premiums and more red tape.

In short, the costs are going up, and the options are shrinking.

What’s Happening with the ACA Marketplace?

The bill aims to phase out premium tax credits, meaning millions of Americans will pay more out of pocket for the same coverage they already have.Enrollment periods are being shortened, and compliance requirements will become heavier for small businesses.

Even worse, some groups like DACA recipients may lose eligibility for ACA marketplace coverage altogether.

The writing is on the wall: 2026 will bring tighter government control and higher costs for anyone earning over the subsidy threshold.

The Alternative: OneHealth + Cigna

As the government scales back, OneHealth + Cigna are stepping up with a private, nationwide solution built for small businesses and high earners who are tired of being penalized for success.

This partnership delivers a competitive alternative to the community-rated group market, available in all 50 states.

Here’s what makes it stand out:✅ 10–40% lower costs compared to ACA or traditional group plans✅ Nationwide PPO access to 1.3 million healthcare providers✅ Embedded telemedicine, virtual primary care, and at-home testing kits✅ No participation requirements — perfect for small groups or 1099 teams✅ White-glove enrollment and billing with fast, guided setup

Why Business Owners Are Paying Attention

For companies that value their employees and want to stay competitive without inflating payroll expenses, OneHealth + Cigna is a breakthrough.It lets employers offer stronger, more flexible benefits while keeping predictable costs and nationwide access to top-tier doctors.

These plans aren’t bound by ACA constraints — no inflated “essential benefit” pricing, no dependency on tax credits, and no limits on provider choice.

The Bottom Line

Whether you’re in Fort Wayne, Indiana, or anywhere from New York to California, this new partnership gives families, professionals, and small businesses a smarter way to protect their health and their wallets.

As ACA costs climb and subsidies fade, OneHealth + Cigna represent what healthcare used to be — simple, affordable, and built around freedom of choice.

👉 Ready to see what your savings could look like?

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