Millions of Americans Face Rising ACA Premiums as Federal Subsidies Near Expiration

Open enrollment for health insurance under the Affordable Care Act (ACA) is underway amid concerns about the expiration of enhanced premium tax credits that currently lower costs for millions of Americans. Without Congress extending these tax credits, millions of people, including vulnerable groups such as cancer patients and rural communities, face steep premium increases and potential loss of coverage. Hospitals in rural Texas are at risk of closure due to the financial strain of uninsured patients, while insurers have raised premiums sharply, in some cases by over 20%, anticipating customer losses as affordability declines. Public support remains strong for the ACA, with many expressing concern that repeal or subsidy expiration would lead to higher costs, reduced protections, and millions losing insurance. The ongoing federal government shutdown and political standoff have delayed decisions on extending subsidies, exacerbating uncertainty and financial hardship for low- and middle-income Americans reliant on these benefits. Advocates urge Congress to negotiate across party lines to restore these subsidies, emphasizing that affordable coverage is critical to health outcomes and survival, especially for those with serious illnesses.