⚠️ ACA Subsidy Payback WARNING for 2026 — One Mistake Could Cost Clients THOUSANDS! 🚀 Ready to grow your ACA & Medicare business? Let me help you succeed with proven tools, training, and support. 📩 Email me: [email protected] In 2026, one wrong income estimate could trigger a FULL subsidy payback — no caps, no mercy. Starting in 2026, ACA agents and clients face a major subsidy repayment rule change that most people don’t understand yet — and ignoring it could cost thousands at tax time. 🚨 Here’s the truth: The government eliminated repayment caps on Advance Premium Tax Credits (APTC). That means if your client underestimates income, they may be forced to repay the FULL excess subsidy, regardless of income level. 💡 In this training, Luis Moreno breaks down: What changed with ACA subsidy repayment rules in 2026 Why self-employed & gig workers are most at risk How to protect clients (and yourself) from IRS shock bills ⏰ Why acting now matters: Agents who don’t adapt their income verification process will lose trust, clients, and renewals in 2026. ⚠️ Risk of inaction: Fail to educate clients on this rule and you could be blamed when they owe the IRS thousands. 🚀 Ready to grow your ACA & Medicare business? Let me help you succeed with proven tools, training, and support. 📩 Email me: [email protected] 🎯 Book 1-on-1 Coaching with Me: 📆 30-Minute Session: $74.99 👉https://ift.tt/tIN1f38 📆 60-Minute Session: $129.99 👉https://ift.tt/tIN1f38 📚 ACA Smartbook (Updated Annually): 👉https://tr.ee/ACA_Smartbook 📚 Medicare Smartbook (Updated Annually): 👉https://tr.ee/Medicare_Smartbook 🛠️ Agent CRM – 14-Day Free Trial: 👉 https://ift.tt/Zht1F2x Supercharge your marketing & retention with ACA, Medicare, D/V, Life, & P&C workflows! 🎥 Click-to-Close Facebook & Instagram Ad Course: Want to generate your OWN leads and stop depending on vendors? Learn how to run high-converting Facebook & IG ads for: ✅ ACA ✅ Medicare (T65) ✅ Final Expense ✅ Life Insurance You’ll also get access to real workflows, CRM automations, and ad strategies used by top-performing agents. 👉https://tr.ee/FB_AD_Course 🔥 JOIN THE COMMUNITY: Get weekly updates, support, and tools to scale your insurance business. 👉https://ift.tt/5zrpuLe 📘 ACA 101 Training Course – Learn the Business from A to Z: 👉https://tr.ee/ACA-Course 📚 Agent Newsletter & FREE Resources for Insurance Agents! 🎯 Boost your ACA & Medicare sales with scripts, guides, and tools 💼💡 👉 Grab them here: https://ift.tt/MxBq91i 🦸♂️ Hire Heroes Virtual Assistant Looking to hire a reliable Virtual Assistant? 👉 Use my exclusive link to get started: https://ift.tt/mPOBGVy #ACA #Agenttraining #Obamacare Luis Moreno [email protected] 00:00 Understanding Income and Subsidies 06:33 The Risks of Misreporting Income 09:03 Navigating Medicaid and Income Guidelines 12:26 Tools and Resources for Insurance Agents https://www.youtube.com/watch?v=WXUbMTCiKLQ via Luis Moreno https://www.youtube.com/channel/UCudFLvAFrd9DJwX_GJrEmPg January 01, 2026 at 04:00AM