Unexpected mid-year health insurance plan cancellation due to income changes creates coverage gaps and financial uncertainty

People receiving subsidized health insurance through Healthcare.gov face the terrifying prospect of having their plans forcibly changed or terminated mid-year when their income increases, leaving them scrambling to understand their options, potential coverage gaps, and unexpected out-of-pocket costs. Current solutions fail because the rules are opaque, the notification process is confusing, and people don't know whether they can keep their current plan, switch plans, or face penalties.