Of the more than 24 million people who get their insurance through ACA Marketplaces, 93 percent receive a subsidy or premium tax credit, reducing their monthly premium based on their income. Since Congress enhanced these subsidies in 2021, the number of Marketplace enrollees has more than doubled. 

If Congress doesn’t act before the enhanced premium tax credits expire on December 31st, many Marketplace enrollees will see a reduction in their subsidy, and others will lose their benefit altogether. This will magnify the profound burden of the already massive proposed median rise in premiums of 18-26 percent for 2026—11 percentage points higher than the previous year. Expiration of the ACA enhanced premium tax credits is estimated to more than double currently subsidized enrollees' premiums on average, and result in an estimated 4.8 million people becoming uninsured in 2026. This disenrollment is also expected to spur insurers to raise prices across non-Marketplace plans, also burdening constituents who obtain coverage outside of the ACA.

Full Article 12/11/2025
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