Story perspectives

ACA Premiums Could Soar 75% Without Subsidy Extension

9/11/2025

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Summary

Story summary

ACA insurance premiums may increase by 75% in 2026 if Congress does not extend enhanced subsidies, costing enrollees over $700 more annually.
About 22 million of the 24 million ACA marketplace enrollees currently receive these tax credits.
Without these credits, over 4 million Americans could become uninsured within a decade.
Some lawmakers, including Rep. Andy Harris, oppose extending the subsidies due to cost concerns.
Premium tax credits were designed for households earning between 100% and 400% of the federal poverty level.

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Story summary

ACA insurance premiums may increase by 75% in 2026 if Congress does not extend enhanced subsidies, costing enrollees over $700 more annually.
About 22 million of the 24 million ACA marketplace enrollees currently receive these tax credits.
Without these credits, over 4 million Americans could become uninsured within a decade.
Some lawmakers, including Rep. Andy Harris, oppose extending the subsidies due to cost concerns.
Premium tax credits were designed for households earning between 100% and 400% of the federal poverty level.