Congressional Inaction Risks 50% Health Premium Rises Across MN, WA in 2026

Health insurance premiums are set to increase significantly in Minnesota and Washington due to the expiration of enhanced Affordable Care Act (ACA) premium tax credits established in the American Rescue Plan. In Minnesota, individual market premiums will rise by about 22%, and small group plans by 14%, with roughly 90,000 people affected by the end of the tax credits, leading to an average monthly premium increase of $177. Similarly, in Washington, premiums could increase by approximately 18%, doubling out-of-pocket costs for a typical family, with some insurers requesting hikes as high as 23%. Senate Democrats are pushing to extend these tax credits as part of government funding legislation, but Republicans have refused, contributing to the ongoing federal government shutdown. Officials and advocates warn these hikes will force many families, farmers, and small business owners to face difficult financial choices, with potential loss of coverage for millions nationwide if the credits are not renewed. The political dispute centers on balancing funding priorities, with Democrats blaming Republicans for the impasse and urging swift congressional action to avoid what they call a preventable health care crisis.