Enhanced ACA tax credits expired after 2025. KFF found that enrollees' average premium payments rose 114%, and the average deductible rose 37%. Here's what changed, what to check before you drop coverage, and how to price a planned procedure yourself.
KFF's 2026 tracking shows what happened when the enhanced tax credits expired after 2025.
None of these is a trick. They're the steps most people skip when the renewal notice lands.
If your income dropped, you may qualify. Check at HealthCare.gov or with your state Medicaid agency before you pay a higher premium.
Premium plus deductible plus coinsurance is what you'll actually pay. A cheaper premium with a much higher deductible can cost more if you need a procedure.
Federally funded health centers adjust fees to your income and family size (HRSA). Find one near you.
For anything planned, ask for the written self-pay price or a Good Faith Estimate before you book. Then work the playbook.
When the US cash price is still out of reach, compare a written, itemized quote from a private clinic in Medellín.
These are prices clinics and practices in Medellín publish themselves, with the source and date for each at the bottom of this page. Anything not on the list needs a written quote based on your records.
Before you compare, check how much of your deductible is left this year. If you've already met it, staying home may be cheaper. Here's how to do that math.
| Executive checkup, Hospital Pablo Tobón Uribe | COP 1,632,316–4,659,972 |
|---|---|
| LASIK, both eyes, Ópticas Lafam | COP 2,350,000 |
| Single dental implant with abutment and crown | $800–$2,100 |
| Tummy tuck, starting price, Dra. Amy Barreto | from COP 20,000,000 |
Checkup range is for men, by plan; women's plans cost slightly more. Implant range from three Medellín practices. Check today's exchange rate for pesos. Travel isn't included.
Andy, who runs ColombiaMedical and Colombia Dentist, has been through dental implant treatment himself. Ask him about it on WhatsApp.
The enhanced ACA tax credits expired after 2025. KFF found enrollees' average premium payments rose 114% (KFF).
That's your call, but know the trade-off: you can usually only enroll during Open Enrollment or after a qualifying life event. Drop coverage and an emergency in between is all yours to pay.
Ask your plan. Don't assume it does.
Clinics in the ColombiaMedical network may pay a referral fee if you book care through us. Reading this page and asking for a quote is free.