HSA for America pitches year-round healthshare option as ACA premiums rise

HSA for America is steering families toward The HSA Healthshare as ACA marketplace premiums climb ahead of 2027 Open Enrollment. The company says the plan can be started any time, giving consumers a way to lock in lower monthly costs before renewal notices hit.

Why it matters: - ACA marketplace premiums are rising again, increasing pressure on households that relied on subsidies or low-cost renewal options. - HSA for America is positioning The HSA Healthshare as a lower-cost alternative families can start before Open Enrollment. - The timing matters because families can compare options now instead of waiting for fall renewal notices.

What happened: - HSA for America said the enhanced premium tax credits for Affordable Care Act marketplace plans expired at the start of 2026. - KFF found average monthly premium payments rose 58% this year, from $113 to $178. - KFF also found 2027 rate filings show a median proposed increase of 15%, the second straight double-digit increase. - The company is promoting The HSA Healthshare as an option for families facing those higher costs.

The details: - The HSA Healthshare combines a health sharing membership with an HSA-qualified minimum essential plan. - Members share eligible medical costs, and the HSA-qualified piece makes them eligible to use a Health Savings Account. - Health sharing is not insurance. - HSA for America said client quotes from 2025 and 2026 show average monthly savings near 47% compared with traditional insurance. - The company said savings are commonly $500 to $1,000 lower each month. - Savings vary by age, location and sharing level. - Marketplace plans can generally only be selected during Open Enrollment. - Open Enrollment for 2027 runs from Nov. 1 through mid-December in most states. - Eligible applicants can enroll in The HSA Healthshare at any time. - The plan offers 18 sharing levels with no age bands. - Membership can start quickly. - HSA for America said it has operated since 2004 as an independent advisor focused on HSAs, healthshare plans, DPC solutions and ACA health insurance. - Wiley Long, president of HSA for America, said many families no longer find the old marketplace math workable. - Long also said waiting for a renewal notice is the worst move and that planning now can save a family thousands.

Between the lines: - The pitch is aimed at consumers who have lost subsidy support or are healthy enough to consider a nontraditional coverage model. - The message is less about replacing ACA plans for everyone and more about offering a lower-premium path for households that can tolerate a different benefits structure. - The company is also trying to create urgency before renewal season compresses consumer choice.

What's next: - Families can review The HSA Healthshare rates for their state before Nov. 1 Open Enrollment. - Consumers considering the switch should compare plan terms carefully, especially if they manage an ongoing condition. - The 2027 Open Enrollment window will be the next major decision point for marketplace shoppers.

The bottom line: - As ACA premiums keep rising, HSA for America is betting year-round enrollment and lower monthly payments will pull families away from standard marketplace plans.