US EditionAverage Marketplace Health Insurance Cost on Track to Double, KFF Says
Without congressional action, 22 million subsidized ACA enrollees face a 114% premium increase in 2026 as enhanced premium tax credits expire, KFF projects.
- KFF's analysis shows ACA Marketplace premiums would more than double in 2026, rising from $888 to about $1,904 if enhanced subsidies expire at the end of 2025.
- Congress faces a deadline as the enhanced credits are set to lapse at the end of 2025 under the Inflation Reduction Act of 2022, while Trump administration and CMS changes to the PAPI formula reduce non‑enhanced credit generosity.
- State filings show much larger spikes, including requests near 48.95% in some markets, while insurers in the ACA marketplace propose a median 18% rate increase, according to KFF.
- With a funding standoff tied to the subsidies, Democrats and Republicans remain locked in a stalemate as KFF warns many ACA enrollees may drop coverage because premiums could rise 114%, risking a shutdown after Oct. 1.
- The 'Subsidy Cliff' threatens to sharply raise net premiums, potentially to 19% of income, while farmers could face over 75% increases, with enrollment starting Nov. 1.
17 Articles
17 Articles
What to know about ACA tax credit changes next year
SIOUX FALLS, S.D. (KELO) - We are now just one month away from open enrollment season for the 2026 Affordable Care Act Marketplace insurance, but Congress hasn't extended the enhanced premium tax credits, so many people will likely see higher health care costs next year. Insurance can be a tricky thing for anyone to understand and for people who get it through the federal Marketplace, there are often a lot of factors that are up in the air when …
Expiration of tax credits could mean larger health insurance bills for North Dakota farmers
BISMARCK — Farmers heavily reliant on coverage through the Affordable Care Act marketplace are likely to see out-of-pocket health insurance premium payments rise more than 75% on average in 2026. Enhanced Affordable Care Act premium tax credits will expire at the end of 2025, unless renewed by Congress. For farmers accessing health insurance through the North Dakota Farmers Union insurance division, that could mean a big increase in family expen…
End of health care subsidy could hit red states hard, KFF warns
As Democrats cite changes to health care policy as their reason for not keeping the government funded, a new analysis from KFF shows how much more some Americans will pay for insurance premiums.Those who use Affordable Care Act-subsidized plans have had their premiums capped based on total income. If a plan exceeded that cap, the enrollee received a tax credit.The tax credit is set to expire because a provision in the Inflation Reduction Act of …
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- 85% of the sources are Center
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