Is the ACA gone or not?

[CarlP799778]

OK, I've been hearing for the last month that the ACA, and it's subsidies are gone. Finished. Kaputt. 

But, I have some co-workers that are still getting bills from Blue Shield that their premiums are still zero, but mine has gone up from zero in 2025 to $1280/month in 2026.

I contacted my insurance guy, and he said that the subsidies are not gone; they just reset the income cap down to $62,500/year. So, he said, if I can get my taxable income below that number ( through IRA, 401K, or HSA contributions ) I can still get the subsidy. 

Is this correct? He was able to tell me what I have to do, and changed my CoveredCA income down to get the subsidy. But I'm afraid that, if he's wrong, I can get hit with having to repay the years worth of insurance subsidies.

[CarlP799778]

I did the calculator. With my age and MAGI of $61,500, my subsidy would be almost $1600/month.