Navigating the 2027 ACA Transition: What Marcus's Renewal Can Teach All of Us. What happens when the health insurance you have today may cost—or work—differently tomorrow?

In this chapter, we follow Marcus in Santa Maria, California, as he prepares for his 2027 ACA Marketplace renewal. Using the Project MAP Lens™, we explore changing costs, financial assistance, income reporting, provider networks, prescriptions, and why reviewing your options matters.

Our journey also takes us to Phoenix, Arizona, where residents use the federal Health Insurance Marketplace® at HealthCare.gov, while Californians use Covered California. Same federal framework. Different state pathway.