
ACA subsidies that lower monthly insurance premiums for millions of Americans set to expire
Key Points:
- Enhanced Affordable Care Act (ACA) insurance subsidies, which have helped millions afford health coverage, are set to expire at the end of 2025, potentially causing significant premium increases in 2026.
- Approximately 22 million of the 24 million ACA marketplace enrollees currently receive these subsidies, which were expanded during the COVID-19 pandemic to increase financial assistance and eligibility.
- Political disagreements during the recent government shutdown prevented extension of the subsidies, with Republicans opposing pandemic-era expansions and Democrats pushing for their continuation.
- Without an extension, premiums are projected to rise sharply, with estimates indicating a 114% average increase in monthly premiums for subsidized marketplace enrollees, severely impacting many families.
- Democrats plan to introduce














