Millions Across US Face 2026 Health Insurance Premium Hikes Amid Subsidy Expiration

Health insurance premiums across several U.S. states are expected to rise significantly in 2026 due to the expiration of enhanced Affordable Care Act (ACA) subsidies at the end of 2025. States like Kentucky, Virginia, and Mississippi face steep premium increases, with estimates showing rises as high as 37% to over 100% in some areas, which could force many families to make difficult financial choices. The expiration of these federal tax credits is a critical issue linked to ongoing congressional budget negotiations, where Democrats seek to extend the subsidies but face opposition from Republicans until after a government shutdown. Consumers are urged to actively shop for coverage during the upcoming open enrollment period starting November 1 to find plans that best fit their needs amid these changes. Experts warn that the loss of subsidies could lead to a surge in uninsured populations and broader economic impacts such as job losses and reductions in federal funding. This situation underscores growing concerns about healthcare affordability and accessibility as federal support wanes.