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'Enroll now:' Why Experts Say You Should Enroll in the ACA Even if Premiums Spike

Senate rejected both Democratic and Republican plans to extend Affordable Care Act subsidies, risking coverage loss for up to 4 million people, experts warn.

  • On Thursday, the U.S. Senate failed to pass two partisan measures, with both the Democratic extension and Republican HSA plan falling short at 1-1, as senators voted 1-1.
  • With enhanced subsidies set to expire at year-end, Dec. 15 pressures senators to decide between a three-year extension by Senators Chuck Schumer and Martin Heinrich and an HSA-style proposal by Senators Mike Crapo and Bill Cassidy.
  • KFF analysis found most enrollees would see premiums more than double if credits expire, risking a coverage cliff for 24 million Americans and pushing as many as four million people uninsured.
  • Dec. 15 is the deadline to sign up for Jan. 1 coverage, and health experts recommended consulting healthcare navigators and agents if premiums are unaffordable.
  • Congress faces a funding deadline on January 30, 2026, and 76 percent of ACA enrollees would blame President Donald Trump or Republicans, while internal GOP splits and deficit hawk pressure stalled consensus.
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'Enroll now:' Why experts say you should enroll in the ACA even if premiums spike

Pandemic-era tax credits for Affordable Care Act premiums are set to expire at the end of the year if lawmakers don't find a solution soon. Now, many are left wondering if they can afford to stay insured.

·Lancaster, United States
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Forbes broke the news in United States on Thursday, December 11, 2025.
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