The ACA marketplace is heading into one of its most uncertain years yet. In this episode, Joe Boyle is joined by Jeff Grant—former Deputy Director of Operations at CCIIO and now president of Schedule F Consulting—to unpack what 2026 could bring for health plans. They explore the potential expiration of enhanced premium tax credits (APTCs), the debate over re-funding cost-sharing reductions (CSRs), and how these shifts could reshape affordability, enrollment behavior, and silver loading strategies. Plus: insights on rate setting amid uncertainty, the evolving role of ICHRAs, and what plans should be doing now to prepare for every scenario.