ACA premiums and subsidies 2026 and later

I've been trying to understand how the ACA premiums and subsidies work and have questions.

Specifically I'm looking at 2026 and later since the American Rescue Plan expires in 2026 and without congress acting (which seems unlikely) the ACA reverts to 2019 rules.

So, I'm sure I'm correct in that the subsidy cliff returns upon expiration of the ARP. Meaning that at 400% of the FPL (Federal Poverty Level) for a family, premium subsidies are gone.

That said, is there any limit to premiums at higher than the 400% FPL after 2026? I read somewhere that they were limited to 8.5% or 9.85% of your income or something like that. But does that apply at over 400% of the FPL? Or once you hit that cliff, premiums can be unlimited?

Or is there another different piece of the ACA that actually limits premiums themselves somehow? By that I mean I would imagine the government requires the insurers to maintain some reasonable premiums otherwise they'd just increase premiums to even more ludicrous levels.

submitted by /u/LakeTwo
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