Affordable Care Act

Enhanced Premium tax credits

2025 KFF Marketplace Enrollees Survey

If the amount they pay in premiums doubled, about one in three enrollees in Affordable Care Act Marketplace health plans say they would be “very likely” to look for a lower-premium Marketplace plan.

The New ACA Repeal and Replace: Health Savings Accounts

Proposals from some Republicans in Congress would effectively repeal some or all of the ACA premium tax credits and replace them with contributions to Health Savings Accounts (HSAs) or something similar.

An image of text is an excerpt form Larry Levitt's quick take which reads, "While the enhanced ACA premium tax credits expire at the end of this year, there is no absolute drop-dead date for extending them. ACA enrollees would welcome premium relief whenever it comes."

There is No Drop-Dead Date for an ACA Tax Credit Extension, But Coverage Losses Will Mount as the Clock Ticks

A discharge petition in the House paves the way for a vote on a three-year extension of the tax credits, which would provide ACA enrollees premium relief whenever it comes. While there is still time to extend the enhanced tax credits, with each passing day, more and more ACA Marketplace enrollees are going to drop their health insurance when faced with eye-popping increases in their premium payments, writes KFF’s Larry Levitt.

ACA Premium Payments Would More than Double on Average If Enhanced Tax Credits Expire

Calculate How Much More You’d Pay Without the Enhanced ACA Credit

Timely insights and analysis from KFF staff

Oct 9, 2025

Public Support for Extending the Enhanced ACA Tax Credits Reflects Broader Concerns About Health Care Affordability

Ashley Kirzinger

The debate over these enhanced tax credits can be seen as a proxy for the broader public’s concerns about health care affordability which may be why the public is largely in favor of extending these subsidies – even as overall views of the ACA are still very polarized. ... more
Oct 9, 2025

Which Congressional Districts Could See the Greatest ACA Premium Payment Increases?

Lynne Cotter

If the enhanced premium tax credits expire this year, the impact on ACA enrollees’ premium payments will vary by income, age, and geography. Among the five congressional districts with the highest premium increases, premiums will increase by over 500%. ... more
Oct 8, 2025

A Steep Subsidy Cliff Looms for Older Middle-Income Enrollees if ACA Enhanced Tax Credits Expire

Shameek Rakshit

The expiration of the ACA enhanced premium tax credits at the end of this year would reintroduce the “subsidy cliff,” which abruptly ends the credit for Marketplace enrollees earning over 400% of poverty. That means some middle-income enrollees, especially older ones, would spend a much larger share of their income on premium payments than those… ... more