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Story summary
- New rules eliminate repayment caps on Affordable Care Act (ACA) subsidies, increasing risk for enrollees with rising income.
- In 2025, the average monthly ACA premium was $619, with subsidies covering most costs.
- Individuals earning over four times the federal poverty level could owe back all subsidies.
- Without extended enhanced credits, many enrollees pay twice their previous premiums.
- Experts advise tracking income and adjusting projections to avoid repayments.
