Affordable Healthcare in 2026: Health Ease Solutions Can Help You Stay Covered
Healthcare costs are rising, and many Americans are feeling uncertain about what comes next. With changes expected to Affordable Care Act (ACA) subsidies in 2026, millions of people who rely on ACA marketplace plans may face higher monthly premiums, increased out-of-pocket costs, or even loss of coverage.
The good news is that patients have options. Understanding how ACA changes may affect you and learning about alternatives like Direct Primary Care (DPC) or Health Ease Solutions can help you stay healthy without breaking your budget.
What’s Changing With ACA Health Insurance in 2026?
During the COVID-19 pandemic, ACA subsidies were expanded to make health insurance more affordable. These enhanced subsidies helped millions of Americans lower or eliminate monthly premiums. Unless extended by Congress, these extra subsidies are set to expire at the end of 2025. This may result in:
Higher monthly insurance premiums starting January 1, 2026
Fewer affordable plan options for some households
Increased risk of becoming uninsured
For patients who depend on affordable, consistent care, this uncertainty can be stressful.
Why This Matters for Patients
When health insurance becomes expensive or confusing, people often delay care. This can lead to skipping routine checkups, delaying treatment for chronic conditions, relying on urgent or emergency care, and higher medical costs in the long run.
Preventive and primary care are essential for staying healthy and should be easy to access.
How to Prepare for January 1, 2026
If you currently use ACA coverage, preparation is key.
Top Tips to Help Avoid Higher Health Insurance Costs
1. Update Your Income Information
ACA subsidies are based on household income. Report changes accurately, include side income or bonuses, and avoid surprises at tax time.
2. Do Not Auto-Renew Your Plan
Plans and prices change every year. Compare plans during open enrollment and review premiums, deductibles, and provider networks. A different plan may save you money.
3. Check Silver Plans for Extra Savings
If eligible, Silver plans may offer lower deductibles and copays. These savings can be more valuable than choosing the lowest monthly premium.
4. Avoid Gaps in Coverage
Even a short gap can be costly. Enroll on time, pay premiums promptly, and respond quickly to marketplace requests.
5. Use Preventive Care
Preventive visits are often covered at no cost. Annual checkups, screenings, and early management of chronic conditions help prevent expensive emergencies later.
What If Insurance Becomes Too Expensive?
If ACA coverage becomes unaffordable, or if you are uninsured, self-employed, or enrolled in a high-deductible plan, Direct Primary Care (DPC) or Health Ease Solutions may be a smart alternative for everyday healthcare needs.
What Is Direct Primary Care?
Direct Primary Care, also known as Health Ease Solutions, is a simple healthcare model where patients pay a flat monthly fee instead of using insurance. There are no copays, no surprise bills, and no third-party insurance involvement. Patients receive direct access to their doctor.
Why Choose a Direct Care Doctor?
Traditional insurance-based care often includes short visits, long wait times, confusing bills, and limited access to physicians. Health Ease Solutions offer a different approach focused on patient-centered care.
Benefits of Health Ease Solutions
Patients receive unlimited primary care visits, longer appointments, same- or next-day scheduling, direct access by phone, text, or email, preventive care, annual checkups, chronic disease management, acute and urgent care, and transparent pricing.
This model is designed around the patient, not insurance companies.
Doctor Without Insurance? DPC Is a Perfect Fit
Direct Primary Care or Health Ease Solutions is ideal for uninsured or underinsured patients, self-employed individuals, small business owners, people with high-deductible insurance plans, and families seeking predictable healthcare costs. Insurance is not required to receive quality care.
Direct Primary Care in Bartlett, TN
At OnPointe Care, we offer Direct Primary Care to patients in Bartlett and surrounding communities.
What Your DPC Membership Includes
Members receive unlimited primary care visits, preventive care and annual physicals, chronic condition management, acute and urgent care, care coordination, in-house labs and discounted outside labs, free or low-cost in-office procedures, and direct communication with their doctor.
No insurance. No billing confusion. Just care.
Transparent, Affordable Pricing
OnPointe Care Direct Primary Care Pricing
Children (3 months to 18 years)
Sick visits only: $45 per month
Adults
Ages 19 to 45: $75 per month
Ages 45 to 64: $85 per month
Ages 65 and older: $99 per month
Family Plans
1 to 4 members: $165 per month
5 or more members: $185 per month
Membership includes unlimited visits, no per-visit charges, no copays, and no surprise bills. Compared to insurance-based visits that can cost $150 to $300 per visit, DPC or Health Ease Solutions offer predictable and affordable care.
Patient Checklist: Prepare for 2026 With Confidence
Review your current ACA plan
Update income and household details
Compare insurance plans during open enrollment
Check eligibility for Silver plan savings
Avoid gaps in coverage
Schedule preventive checkups
Explore Direct Primary Care as a backup or alternative
Choose a care model with transparent pricing
Final Takeaway
Healthcare should be simple, affordable, and accessible, especially during times of change. Whether you continue with ACA coverage or explore Direct Primary Care, the most important step is not delaying care.
At OnPointe Care, we believe patients deserve time with their doctor, clear pricing, and care without insurance barriers.
Ready for Simple, Affordable Healthcare?
OnPointe Care
Direct Primary Care in Bartlett, TN
5905 Stage Rd, Bartlett, TN 38134
Phone: (901) 779-8657
Email: info@onpointecare.com
Website: www.onpointecare.com
Unlimited visits. Transparent pricing. No insurance required.