Aura Insure Responds to CMS Final Rule: Lower Premiums with Smarter Enrollment in 2026

Dallas, TX – Aura Insure applauds the Centers for Medicare & Medicaid Services (CMS) for finalizing the “Marketplace Integrity & Affordability” rule, which is set to lower individual-market ACA premiums by approximately 5% on average and save taxpayers up to $12 billion in 2026 .

Key Highlights of the CMS Rule:

• 5% premium cut: A meaningful reduction for ACA marketplace plans in 2026 linkedin.com+15cms.gov+15americanexchange.com+15.

• Improved integrity: Stricter income verification, elimination of low-income monthly Special Enrollment Periods (SEPs), and a $5/month premium on auto-renewals without confirmed eligibility thedailybeast.com+6cms.gov+6americanexchange.com+6.

• Enrollment period tightened: Annual open enrollment shortened to Nov 1–Dec 31 starting in 2027, intended to promote continuous coverage hcinnovationgroup.com+4cms.gov+4americanexchange.com+4.

What It Means for Consumers:Aura Insure is committed to helping clients navigate these changes and maximize benefits:

1. Plan Optimization

   • We’ll identify plans eligible for lower premiums and communicate those options clearly.

2. Compliance Coaching

   • Personalized guidance to ensure timely income verification and eligibility confirmation, avoiding penalty charges or plan cancellation.

3. Continuous Support

   • Outreach reminders during open enrollment to prevent lapses and optimize savings.

4. Anticipating Tax and Coverage Changes

   • We’ll assist clients with paperwork reconciliation and inform them of potential shifts, especially amid subsidy resets after 2026.

Quotes from Aura Insure Leadership:

“We’re thrilled by the premium reductions, but it’s vital consumers stay engaged,” said Ericka Luddy, Aura Insure. “Our team will guide them step‑by‑step to ensure the full benefits hit their bottom line.”

Full CMS article can be found here: https://www.cms.gov/newsroom/press-releases/cms-finalizes-major-rule-lower-individual-health-insurance-premiums-americans