Why You Might Lose Your Health Insurance Subsidy in 2025 (And What to Do About It Now)

You thought your plan was set. Then the renewal letter came—and suddenly, your subsidy is gone.

Each year, thousands of people lose their health insurance subsidy unexpectedly. Some forget to renew. Others guess their income wrong. And many never realize that a small tax mistake could cost them hundreds—or even thousands—of dollars in 2025.

At Mere, we believe no one should lose access to affordable healthcare just because the system is confusing. You deserve a guide who helps you keep your coverage, not lose it.

The truth is, subsidies aren’t automatic. They’re earned—and renewed—through action.

If you want to keep your financial help, you need to understand how the subsidy works, how it's tied to your taxes, and what’s changing in 2025.

How the Subsidy Works (In Plain English)

• The subsidy is called the Advance Premium Tax Credit (APTC)

• It’s based on your estimated annual income and household size

• You get the subsidy in advance to lower your monthly premium

• You must file taxes and reconcile the subsidy each year

• If your income changes and you don’t update it, you could owe money at tax time or lose the subsidy altogether

Why People Are Losing Their Subsidies in 2025

• They didn’t actively renew their Marketplace application

• They didn’t file their 2023 taxes

• They haven’t filed their 2024 tax return, and the Marketplace is now cracking down

• They entered an income that doesn’t match IRS records

• Their household size changed and wasn’t reported

• They clicked “auto-renew” but didn’t update their income

• Their employer started offering “affordable” coverage—triggering the family glitch
  
  

Important: File Your 2024 Taxes ASAP

Even though Open Enrollment for 2025 won’t start until later this year, the Marketplace is already flagging accounts for subsidy removal if 2024 taxes are not filed on time. If you received a subsidy last year, but didn’t file your 2023 return—or now your 2024 return—you’re at risk of:

• Losing your 2025 subsidy entirely

• Having your policy switched to full price

• Delays or denials when renewing coverage

This isn’t just a recommendation—it’s becoming a requirement.

Here’s the Plan:

1. Schedule a free check-in with our team

2. Review your Marketplace file and estimated income

3. Make sure your taxes are filed—and match your application

4. Renew your 2025 plan correctly—before it’s too late

This is fixable—but only if you act before your plan is canceled.

We’ve helped hundreds of families regain their subsidy, avoid huge tax bills, and finally understand what’s happening behind the scenes.

Call or text (904) 654-5450 or visit www.merebenefits.com to get back on track.

Frequently Asked Questions

I lost my subsidy—can I get it back?

Possibly. If you didn’t file taxes or didn’t reconcile a prior year, you may need to fix that first. We’ll help guide you through the process or refer you to a tax professional.

How do I avoid losing my subsidy for 2025?

File your 2023 and 2024 tax returns, report any changes, and actively renew your Marketplace application with the correct estimated income.

What if my income is too low for a subsidy?

Depending on your state, you may be eligible for Medicaid—or you may fall into a coverage gap. Either way, we’ll help you explore your options.

I clicked “renew automatically.” Isn’t that enough?

Unfortunately, no. If your income or family size changed, or if the Marketplace has conflicting IRS information, your subsidy may still be removed.