https://aca-subsidy-guide.vercel.app/_next/static/chunks/376301f316887e9a.js

1(globalThis.TURBOPACK||(globalThis.TURBOPACK=[])).push(["object"==typeof document?document.currentScript:void 0,52683,e=>{"use strict";var s=e.i(43476),t=e.i(22016),a=e.i(71645);let i={"@context":"https://schema.org","@type":"FAQPage",mainEntity:[{"@type":"Question",name:"What is the ACA subsidy cliff in 2026?",acceptedAnswer:{"@type":"Answer",text:"The ACA subsidy cliff is the income threshold above which you lose all Affordable Care Act premium tax credits. In 2026, the enhanced subsidies from the Inflation Reduction Act expired, restoring the cliff at 400% of the Federal Poverty Level (FPL). For a single person, that's about $62,160; for a family of four, about $128,280. Earning even $1 over this threshold means losing your entire subsidy — not a gradual reduction, but a sudden cutoff that can increase premiums by $5,000–$15,000 per year."}},{"@type":"Question",name:"How much are ACA premiums increasing in 2026?",acceptedAnswer:{"@type":"Answer",text:"For the 22 million Americans who relied on enhanced ACA subsidies, premiums could double or more in 2026. The average unsubsidized benchmark Silver plan costs $7,200–$9,600 per year for a single adult, depending on age and state. People previously paying $50–$200/month with enhanced subsidies may now face $600–$1,200/month without them. The impact is largest for people earning between 400% and 600% of the Federal Poverty Level who received enhanced subsidies from 2021–2025."}},{"@type":"Question",name:"How can I lower my income to qualify for ACA subsidies?",acceptedAnswer:{"@type":"Answer",text:"You can legally reduce your Modified Adjusted Gross Income (MAGI) to stay under the ACA subsidy cliff using strategies like: contributing to a traditional 401(k) (up to $23,500 in 2026), maximizing HSA contributions ($4,300 individual/$8,550 family), making deductible traditional IRA contributions ($7,000/$8,000 if 50+), and timing capital gains or freelance income. Self-employed individuals can also use SEP-IRA contributions (up to 25% of net income, max $70,000) and business deductions."}},{"@type":"Question",name:"What is the Federal Poverty Level for ACA subsidies in 2026?",acceptedAnswer:{"@type":"Answer",text:"The 2026 Federal Poverty Level (FPL) used for ACA subsidies is based on 2025 HHS guidelines. Key thresholds at 400% FPL (the subsidy cliff): $62,160 for a single person, $83,700 for a household of 2, $105,240 for a household of 3, and $128,280 for a family of 4. Income below 100% FPL ($15,540 single) may qualify for Medicaid in expansion states. Between 100–400% FPL, you're eligible for sliding-scale premium tax credits."}},{"@type":"Question",name:"What is the difference between enhanced and original ACA subsidies?",acceptedAnswer:{"@type":"Answer",text:"Enhanced ACA subsidies (2021–2025) removed the 400% FPL income cap, capped premiums at 8.5% of income for all enrollees, and provided subsidies to higher earners for the first time. The original ACA formula (returning in 2026) cuts off all subsidies at 400% FPL, requires higher income percentages toward premiums (up to 9.12% of income), and provides no assistance above the cliff. For a single 40-year-old earning $60,000, the enhanced subsidy saved roughly $3,600/year compared to the original formula."}},{"@type":"Question",name:"What happens if my income goes over 400% FPL in 2026?",acceptedAnswer:{"@type":"Answer",text:"If your Modified Adjusted Gross Income (MAGI) exceeds 400% of the Federal Poverty Level in 2026, you lose your entire ACA premium tax credit — not just the amount over the threshold. This is the 'subsidy cliff.' For example, a single person earning $62,161 (just $1 over the $62,160 cliff) loses a subsidy worth $4,000–$8,000 per year and must pay the full unsubsidized premium, which averages $600–$800/month for a Silver plan."}},{"@type":"Question",name:"Are ACA subsidies available for self-employed people in 2026?",acceptedAnswer:{"@type":"Answer",text:"Yes. Self-employed individuals, freelancers, and 1099 contractors are eligible for ACA premium tax credits in 2026 if their MAGI is between 100% and 400% FPL. Self-employed workers can also reduce their MAGI using SEP-IRA contributions (up to $70,000), the self-employed health insurance deduction, HSA contributions ($4,300/$8,550), and business expense deductions — making it easier to stay under the subsidy cliff than W-2 employees with similar gross income."}}]},r=[{title:"Subsidy Calculator",description:"See exactly how much more you'll pay in 2026 with our free calculator.",href:"/calculator",icon:"🧮",color:"bg-blue-50 border-blue-200"},{title:"Subsidy Cliff Explainer",description:"Understand the 400% FPL cliff and why premiums are skyrocketing.",href:"/subsidy-cliff",icon:"📉",color:"bg-red-50 border-red-200"},{title:"Income Strategies",description:"Legal ways to lower your MAGI and keep your ACA subsidies.",href:"/income-strategies",icon:"💡",color:"bg-

1amber-50 border-amber-200"},{title:"Self-Employed Guide",description:"Special strategies for freelancers and business owners.",href:"/self-employed",icon:"💼",color:"bg-teal-50 border-teal-200"},{title:"Early Retirees Guide",description:"Navigate health insurance costs before Medicare at 65.",href:"/early-retirees",icon:"🏖️",color:"bg-purple-50 border-purple-200"},{title:"State-by-State Guides",description:"Find your state's exchange, Medicaid status, and premium estimates.",href:"/states",icon:"🗺️",color:"bg-green-50 border-green-200"}];function l(){let[e,l]=(0,a.useState)("");return(0,s.jsxs)("div",{children:[(0,s.jsx)("script",{type:"application/ld+json",dangerouslySetInnerHTML:{__html:JSON.stringify({"@context":"https://schema.org","@type":"WebSite",name:"ACA Subsidy Guide",url:"https://acasubsidyguide.com",potentialAction:{"@type":"SearchAction",target:"https://acasubsidyguide.com/calculator?q={search_term_string}","query-input":"required name=search_term_string"}})}}),(0,s.jsx)("script",{type:"application/ld+json",dangerouslySetInnerHTML:{__html:JSON.stringify(i)}}),(0,s.jsx)("section",{className:"bg-gradient-to-b from-blue-50 to-white py-16 sm:py-24 px-4",children:(0,s.jsxs)("div",{className:"max-w-4xl mx-auto text-center",children:[(0,s.jsx)("h1",{className:"font-merriweather text-3xl sm:text-5xl font-bold text-slate-800 leading-tight mb-6",children:"How Much More Will You Pay for Health Insurance in 2026?"}),(0,s.jsx)("p",{className:"text-lg sm:text-xl text-slate-600 mb-8 max-w-2xl mx-auto",children:"Enhanced ACA subsidies expired December 31, 2025. Premiums are jumping from $200/month to $800/month for millions. The subsidy cliff is back at 400% FPL — $62,160 for a single person. Find out your impact in 60 seconds."}),(0,s.jsxs)(t.default,{href:"/calculator",className:"inline-flex items-center gap-2 bg-blue-600 text-white font-semibold text-lg px-8 py-4 rounded-xl hover:bg-blue-700 transition-colors shadow-lg shadow-blue-200",children:["Calculate My Impact",(0,s.jsx)("svg",{className:"w-5 h-5",fill:"none",stroke:"currentColor",viewBox:"0 0 24 24",children:(0,s.jsx)("path",{strokeLinecap:"round",strokeLinejoin:"round",strokeWidth:2,d:"M13 7l5 5m0 0l-5 5m5-5H6"})})]})]})}),(0,s.jsx)("section",{className:"bg-white py-12 px-4 border-b border-gray-100",children:(0,s.jsxs)("div",{className:"max-w-3xl mx-auto",children:[(0,s.jsx)("h2",{className:"font-merriweather text-2xl sm:text-3xl font-bold text-slate-800 mb-4",children:"What Is the ACA Subsidy Cliff?"}),(0,s.jsxs)("p",{className:"text-slate-700 text-lg mb-4",children:["The ACA subsidy cliff is the income threshold at which Affordable Care Act (Obamacare) premium tax credits drop to zero. In 2026, the cliff returned to 400% of the Federal Poverty Level (FPL) after enhanced subsidies from the Inflation Reduction Act expired on December 31, 2025. For a single person, the cliff is approximately $62,160; for a family of four, $128,280. Earning even $1 over this amount eliminates your entire subsidy — there is no gradual phase-out. Learn more about subsidy eligibility at ",(0,s.jsx)("a",{href:"https://www.healthcare.gov/lower-costs/",target:"_blank",rel:"noopener noreferrer",className:"text-blue-600 underline",children:"HealthCare.gov"})," or review ",(0,s.jsx)("a",{href:"https://www.hhs.gov/healthcare/about-the-aca/index.html",target:"_blank",rel:"noopener noreferrer",className:"text-blue-600 underline",children:"HHS's ACA overview"}),"."]}),(0,s.jsx)("p",{className:"text-slate-600 mb-0",children:"Over 22 million Americans who received enhanced ACA subsidies between 2021 and 2025 are now affected. Many face premium increases of $5,000 to $15,000 per year. Use our free calculator to see your specific impact, and explore legal strategies to reduce your income below the cliff."})]})}),(0,s.jsx)("section",{className:"bg-slate-800 text-white py-8 px-4",children:(0,s.jsxs)("div",{className:"max-w-6xl mx-auto grid grid-cols-1 sm:grid-cols-3 gap-6 text-center",children:[(0,s.jsxs)("div",{children:[(0,s.jsx)("p",{className:"text-3xl font-bold text-amber-400",children:"22M+"}),(0,s.jsx)("p",{className:"text-slate-300 mt-1",children:"Americans Lost Enhanced Subsidies"})]}),(0,s.jsxs)("div",{children:[(0,s.jsx)("p",{className:"text-3xl font-bold text-amber-400",children:"2×"}),(0,s.jsx)("p",{className:"text-slate-300 mt-1",children:"Premiums Doubled for Millions"})]}),(0,s.jsxs)("div",{children:[(0,s.jsx)("p",{className:"text-3xl font-bold text-amber-400",children:"400%"}),(0,s.jsx)("p",{className:"text-slate-300 mt-1",children:"FPL — The Subsidy Cliff Is Back"})]})]})}),(0,s.jsx)("section",{className:"py-16 px-4 bg-white",children:(0,s.jsxs)("div",{className:"max-w-4xl mx-auto",children:[(0,s.jsx)("h2",{className:"font-merriweather text-2xl sm:text-3xl font-bold text-slate-800 mb-4 text-center",children:"How Do 2025 Enhanced Subsidies Compare to 2026 Original Formula?"}),(0,s.jsx)("p",{className:"text-slate-600 text-center mb-8 max-w-2xl mx-auto",children:"The Inflation Reduction Act's enhanced 

1subsidies expired December 31, 2025. Here's what changed:"}),(0,s.jsx)("div",{className:"overflow-x-auto",children:(0,s.jsxs)("table",{className:"w-full text-sm border-collapse",children:[(0,s.jsx)("thead",{children:(0,s.jsxs)("tr",{className:"bg-slate-100",children:[(0,s.jsx)("th",{className:"text-left py-3 px-4 font-semibold text-slate-700 border-b border-slate-300"}),(0,s.jsx)("th",{className:"text-left py-3 px-4 font-semibold text-emerald-700 border-b border-slate-300",children:"2021–2025 (Enhanced)"}),(0,s.jsx)("th",{className:"text-left py-3 px-4 font-semibold text-red-700 border-b border-slate-300",children:"2026 (Original Formula)"})]})}),(0,s.jsxs)("tbody",{className:"divide-y divide-slate-200",children:[(0,s.jsxs)("tr",{children:[(0,s.jsx)("td",{className:"py-3 px-4 text-slate-700 font-medium",children:"Income Cap"}),(0,s.jsx)("td",{className:"py-3 px-4 text-emerald-700",children:"No cap — subsidies at all income levels"}),(0,s.jsx)("td",{className:"py-3 px-4 text-red-700",children:"Hard cliff at 400% FPL"})]}),(0,s.jsxs)("tr",{children:[(0,s.jsx)("td",{className:"py-3 px-4 text-slate-700 font-medium",children:"Max Premium (% of Income)"}),(0,s.jsx)("td",{className:"py-3 px-4 text-emerald-700",children:"8.5% of household income"}),(0,s.jsx)("td",{className:"py-3 px-4 text-red-700",children:"9.12% (under 400% FPL), 100% above"})]}),(0,s.jsxs)("tr",{children:[(0,s.jsx)("td",{className:"py-3 px-4 text-slate-700 font-medium",children:"Single Person, $50K Income"}),(0,s.jsx)("td",{className:"py-3 px-4 text-emerald-700",children:"~$250/mo premium"}),(0,s.jsx)("td",{className:"py-3 px-4 text-red-700",children:"~$375/mo premium (+$1,500/yr)"})]}),(0,s.jsxs)("tr",{children:[(0,s.jsx)("td",{className:"py-3 px-4 text-slate-700 font-medium",children:"Single Person, $65K Income"}),(0,s.jsx)("td",{className:"py-3 px-4 text-emerald-700",children:"~$350/mo premium"}),(0,s.jsx)("td",{className:"py-3 px-4 text-red-700 font-bold",children:"~$750/mo — NO subsidy (+$4,800/yr)"})]}),(0,s.jsxs)("tr",{children:[(0,s.jsx)("td",{className:"py-3 px-4 text-slate-700 font-medium",children:"Family of 4, $100K Income"}),(0,s.jsx)("td",{className:"py-3 px-4 text-emerald-700",children:"~$550/mo premium"}),(0,s.jsx)("td",{className:"py-3 px-4 text-red-700",children:"~$700/mo premium (+$1,800/yr)"})]}),(0,s.jsxs)("tr",{children:[(0,s.jsx)("td",{className:"py-3 px-4 text-slate-700 font-medium",children:"Family of 4, $130K Income"}),(0,s.jsx)("td",{className:"py-3 px-4 text-emerald-700",children:"~$650/mo premium"}),(0,s.jsx)("td",{className:"py-3 px-4 text-red-700 font-bold",children:"~$2,000/mo — NO subsidy (+$16,200/yr)"})]}),(0,s.jsxs)("tr",{children:[(0,s.jsx)("td",{className:"py-3 px-4 text-slate-700 font-medium",children:"People Affected"}),(0,s.jsx)("td",{className:"py-3 px-4 text-emerald-700",children:"~22 million received enhanced subsidies"}),(0,s.jsx)("td",{className:"py-3 px-4 text-red-700",children:"~4 million expected to lose all subsidies"})]})]})]})}),(0,s.jsx)("p",{className:"text-xs text-gray-400 mt-3 text-center",children:"Premiums are estimates for a benchmark Silver plan. Actual costs vary by state, age, and county."})]})}),(0,s.jsx)("section",{className:"py-16 px-4 bg-gray-50",children:(0,s.jsxs)("div",{className:"max-w-6xl mx-auto",children:[(0,s.jsx)("h2",{className:"font-merriweather text-2xl sm:text-3xl font-bold text-center text-slate-800 mb-12",children:"How Can You Navigate the 2026 ACA Subsidy Cliff?"}),(0,s.jsx)("div",{className:"grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-6",children:r.map(e=>(0,s.jsxs)(t.default,{href:e.href,className:`block p-6 rounded-xl border ${e.color} hover:shadow-lg transition-shadow`,children:[(0,s.jsx)("span",{className:"text-3xl",children:e.icon}),(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mt-3 mb-2",children:e.title}),(0,s.jsx)("p",{className:"text-slate-600 text-sm",children:e.description})]},e.href))})]})}),(0,s.jsx)("section",{className:"py-16 px-4 bg-white",children:(0,s.jsxs)("div",{className:"max-w-6xl mx-auto",children:[(0,s.jsx)("h2",{className:"font-merriweather text-2xl sm:text-3xl font-bold text-center text-slate-800 mb-12",children:"Popular Resources"}),(0,s.jsxs)("div",{className:"grid grid-cols-2 sm:grid-cols-3 lg:grid-cols-4 gap-6 text-center",children:[(0,s.jsx)(t.default,{href:"/calculator",className:"text-blue-600 hover:underline",children:"Calculator"}),(0,s.jsx)(t.default,{href:"/subsidy-cliff",className:"text-blue-600 hover:underline",children:"Subsidy Cliff"}),(0,s.jsx)(t.default,{href:"/early-retirees",className:"text-blue-600 hover:underline",children:"Early Retirees"}),(0,s.jsx)(t.default,{href:"/self-employed",className:"text-blue-600 hover:underline",children:"Self-Employed"}),(0,s.jsx)(t.default,{href:"/income-strategies",className:"text-blue-600 hover:underline",children:"Income Strategies"}),(0,s.jsx)(t.default,{href:"/states/california",className:"text-blue-600 hover:underline",children:"California Guide"}),(0,s.jsx)(t.default,{href:"/states/florida",className:"text-blue-600 hover:underline",children:"Florida Guide"}),(0,s.jsx)(t.default,{href:"/states/texas",className:"text-blue-600 hover:underline",children:"Texas Guide"}),(0,s.jsx)(t.default,{href:"/guides/understanding-magi",className:"text-blue-600 hover:underline",children:"MAGI Guide"}),(0,s.jsx)(t.default,{href:"/blog/hsa-aca-subsidy-strategy",className:"text-blue-600 hover:underline",children:"HSA Strategy"}),(0,s.jsx)(t.default,{href:"/faq",className:"text-blue-600 hover:underline",children:"FAQ"}),(0,s.jsx)(t.default,{href:"/cobra-vs-aca",className:"text-blue-600 hover:underline",children:"COBRA vs. ACA"}),(0,s.jsx)(t.default,{href:"/hsa-aca-guide",className:"text-blue-600 hover:underline",children:"HSA Guide"}),(0,s.jsx)(t.default,{href:"/alternatives",className:"text-blue-600 hover:underline",children:"Marketplace Alternatives"}),(0,s.jsx)(t.default,{href:"/recommended-tools",className:"text-blue-600 hover:underline",children:"Recommended Tools"})]})]})}),(0,s.jsx)("section",{className:"py-16 px-4 bg-gray-50",children:(0,s.jsxs)("div",{className:"max-w-6xl mx-auto",children:[(0,s.jsx)("h2",{className:"font-merriweather text-2xl sm:text-3xl font-bold text-center text-slate-800 mb-12",children:"Latest Analysis & Guides"}),(0,s.jsxs)("div",{className:"grid grid-cols-1 sm:grid-cols-2 lg:grid-cols-3 gap-6",children:[(0,s.jsxs)(t.default,{href:"/blog/early-retirement-health-insurance-bridge",className:"block p-6 rounded-xl border bg-white border-gray-200 hover:shadow-lg transition-shadow",children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mt-3 mb-2",children:"Early Retirement & ACA"}),(0,s.jsx)("p",{className:"text-slate-600 text-sm",children:"How to use the ACA as a bridge to Medicare coverage."})]}),(0,s.jsxs)(t.default,{href:"/blog/gig-workers-aca-guide",className:"block p-6 rounded-xl border bg-white border-gray-200 hover:shadow-lg transition-shadow",children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mt-3 mb-2",children:"Gig Worker's Guide to ACA"}),(0,s.jsx)("p",{className:"text-slate-600 text-sm",children:"Subsidies for Uber, DoorDash, and other 

11099 workers."})]}),(0,s.jsxs)(t.default,{href:"/blog/aca-divorce-separation-guide",className:"block p-6 rounded-xl border bg-white border-gray-200 hover:shadow-lg transition-shadow",children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mt-3 mb-2",children:"Divorce & ACA Subsidies"}),(0,s.jsx)("p",{className:"text-slate-600 text-sm",children:"How marital status changes affect your subsidy eligibility."})]})]})]})}),(0,s.jsx)("section",{className:"py-16 px-4 bg-white",children:(0,s.jsxs)("div",{className:"max-w-3xl mx-auto",children:[(0,s.jsx)("h2",{className:"font-merriweather text-2xl sm:text-3xl font-bold text-slate-800 mb-8 text-center",children:"Frequently Asked Questions About ACA Subsidies in 2026"}),(0,s.jsxs)("div",{className:"space-y-6",children:[(0,s.jsxs)("div",{children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mb-2",children:"How much are ACA premiums increasing in 2026?"}),(0,s.jsx)("p",{className:"text-slate-600",children:"For the 22 million Americans who relied on enhanced ACA subsidies, premiums could double or more in 2026. The average unsubsidized benchmark Silver plan costs $7,200–$9,600 per year for a single adult. People previously paying $50–$200/month may now face $600–$1,200/month without enhanced subsidies."})]}),(0,s.jsxs)("div",{children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mb-2",children:"What is the Federal Poverty Level for ACA subsidies in 2026?"}),(0,s.jsx)("p",{className:"text-slate-600",children:"The 400% FPL thresholds (subsidy cliff) for 2026: $62,160 for a single person, $83,700 for a household of 2, $105,240 for a household of 3, and $128,280 for a family of 4. Income between 100–400% FPL qualifies for sliding-scale premium tax credits."})]}),(0,s.jsxs)("div",{children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mb-2",children:"How can I lower my income to qualify for ACA subsidies?"}),(0,s.jsxs)("p",{className:"text-slate-600",children:["You can legally reduce your Modified Adjusted Gross Income (MAGI) using traditional 401(k) contributions (up to $23,500), HSA contributions ($4,300 individual/$8,550 family), deductible traditional IRA contributions ($7,000/$8,000 if 50+), and strategic income timing. See our ",(0,s.jsx)(t.default,{href:"/blog/reduce-magi-aca-subsidy",className:"text-blue-600 underline",children:"7 legal MAGI reduction strategies"}),"."]})]}),(0,s.jsxs)("div",{children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mb-2",children:"Did ACA subsidies expire in 2025?"}),(0,s.jsx)("p",{className:"text-slate-600",children:"The enhanced ACA subsidies from the American Rescue Plan (2021) and Inflation Reduction Act (2022) expired on December 31, 2025. The original ACA subsidy structure is still in place for 2026, but it uses the pre-2021 formula with the income cliff at 400% FPL — meaning no subsidies at all for people above that threshold."})]}),(0,s.jsxs)("div",{children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mb-2",children:"What is the difference between enhanced and original ACA subsidies?"}),(0,s.jsx)("p",{className:"text-slate-600",children:"Enhanced subsidies (2021–2025) removed the 400% FPL income cap and capped premiums at 8.5% of income for all enrollees. The original formula (2026) restores the hard cliff at 400% FPL, requires higher income percentages toward premiums (up to 9.12%), and provides no assistance above the cliff. A single 40-year-old earning $60,000 saved roughly $3,600/year under the enhanced formula."})]}),(0,s.jsxs)("div",{children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mb-2",children:"What happens if my income goes over 400% FPL in 2026?"}),(0,s.jsx)("p",{className:"text-slate-600",children:"You lose your entire ACA premium tax credit — not just the amount over the threshold. A single person earning $62,161 (just $1 over the $62,160 cliff) loses a subsidy worth $4,000–$8,000 per year and must pay the full unsubsidized premium, which averages $600–$800/month for a Silver plan."})]}),(0,s.jsxs)("div",{children:[(0,s.jsx)("h3",{className:"font-semibold text-lg text-slate-800 mb-2",children:"Are ACA subsidies available for self-employed people in 2026?"}),(0,s.jsx)("p",{className:"text-slate-600",children:"Yes. Self-employed individuals, freelancers, and 1099 contractors are eligible for ACA premium tax credits if their MAGI is between 100% and 400% FPL. Self-employed workers can also reduce MAGI using SEP-IRA contributions (up to $70,000), HSA contributions ($4,300/$8,550), and business deductions to stay under the cliff."})]})]})]})}),(0,s.jsx)("section",{className:"py-16 px-4 bg-white",children:(0,s.jsxs)("div",{className:"max-w-xl mx-auto text-center",children:[(0,s.jsx)("h2",{className:"font-merriweather text-2xl font-bold text-slate-800 mb-4",children:"Stay Informed on ACA Changes"}),(0,s.jsx)("p",{className:"text-slate-600 mb-6",children:"Get updates when Congress acts on subsidies, open enrollment dates, and new cost-saving strategies."}),(0,s.jsxs)("form",{onSubmit:s=>{s.preventDefault(),l(""),alert("Thanks! You'll receive updates at "+e)},className:"flex flex-col sm:flex-row gap-3",children:[(0,s.jsx)("input",{type:"email",value:e,onCh

1ange:e=>l(e.target.value),placeholder:"[email protected]",required:!0,className:"flex-1 px-4 py-3 border border-gray-300 rounded-lg focus:ring-2 focus:ring-blue-500 focus:border-blue-500 outline-none"}),(0,s.jsx)("button",{type:"submit",className:"bg-amber-500 text-white font-semibold px-6 py-3 rounded-lg hover:bg-amber-600 transition-colors",children:"Get Updates"})]}),(0,s.jsx)("p",{className:"text-xs text-gray-400 mt-3",children:"No spam. Unsubscribe anytime."})]})})]})}e.s(["default",()=>l])}]);