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ACA Premiums Set to Double Without Extended Subsidies

12/1/2025

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Summary

Story summary

If enhanced subsidies expire on December 31, ACA marketplace premiums could rise in 2026.
Those earning over 400% of the federal poverty level would lose subsidies, doubling average premiums.
Approximately 22 million ACA enrollees currently receive these subsidies.
Experts propose strategies to avoid the cliff by maxing tax-advantaged accounts and possibly reducing work hours.

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Story summary

If enhanced subsidies expire on December 31, ACA marketplace premiums could rise in 2026.
Those earning over 400% of the federal poverty level would lose subsidies, doubling average premiums.
Approximately 22 million ACA enrollees currently receive these subsidies.
Experts propose strategies to avoid the cliff by maxing tax-advantaged accounts and possibly reducing work hours.