Forecasting the Future Health Insurance Impacts of the Big, Beautiful Bill

The recently signed “One Big, Beautiful Bill” (OBBB) is already making waves across the country, especially among Medicaid and ACA enrollees. Most headlines have focused on the immediate effects — subsidy rollbacks, work requirements, and funding cuts — but licensed agents need to get above the noise and start looking further ahead.

Key takeaways

1. 1. A lot of attention has been focused on the immediate impacts of the recently passed “big, beautiful bill.” Still, agents and insurance professionals should start thinking about the long-term effects.
   2. Medicaid cuts and ACA subsidy changes could leave millions without coverage by 2034, and $0-premium plans are likely to disappear, increasing demand for licensed agent support.
   3. Additionally, carrier shifts and benefit redesigns could reshape the products agents can offer for the foreseeable future.