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The Affordable Care Act (ACA) cut the uninsured rate and created income‑indexed premium tax credits and cost‑sharing reductions that capped premiums and lowered deductibles for low‑ and middle‑income ...
If Congress allows the ARPA/IRA enhancements to lapse after 2025, the core premium tax credit (PTC) will remain but the expanded eligibility and larger subsidies will end — meaning subsidies would rev...
If Congress allows the temporary “enhanced” premium tax credits to expire at the end of 2025, multiple analyses and insurer filings project large increases in what marketplace enrollees pay in 2026: K...
If your income changes during the plan year you must report it to the Marketplace so your advance premium tax credit (APTC) can be recalculated; you may change your reported income unlimited times and...
Multiple 2025–2026 proposals would alter how ACA (Obamacare) subsidies, eligibility, and state programs operate in 2026: Republicans in Congress and some Senate proposals seek to replace or repeal maj...
The Affordable Care Act created income-indexed premium tax credits that limit what many households pay for Marketplace benchmark plans and effectively lowered out-of-pocket premiums for millions versu...
If Congress allows the enhanced ACA premium tax credits to expire after 2025, millions will face higher premiums and some will lose eligibility entirely — analysts project roughly 4–4.8 million newly ...
Maximum premium tax credits for 2026 will generally be unavailable to households above roughly 400% of the Federal Poverty Level (FPL) under pre‑2021 rules; states and marketplaces are already warning...
CMS and other reporting show a record-sized ACA Marketplace enrollment in 2025: CMS reported 23.6 million plan selections as of Jan. 4, 2025, while later CMS and media tallies put the total at about 2...
The scheduled 2026 reversion of ACA premium-subsidy rules will raise out-of-pocket premium costs for many low- and moderate-income households by shrinking subsidy amounts, reinstating the 400%-of-FPL ...
If Congress allows the enhanced ACA premium tax credits to expire at the end of 2025, analysts say average marketplace enrollees would see premium payments rise by about 114% in 2026 — from roughly $8...
Ending the enhanced ACA premium subsidies would sharply raise premiums and reduce eligibility: KFF and reporting estimate the average subsidized enrollee’s annual out‑of‑pocket premium would rise from...
If Congress allows the ACA’s enhanced premium tax credits to expire Dec. 31, 2025, independent estimates project large, state-by-state premium and deductible increases — KFF finds average marketplace ...
The CARES Act redirected at least $100 billion to hospitals and gave CMS new authorities that increased payments and flexibility for Medicare and Medicaid during the COVID-19 emergency, including expa...
The 2017 tax law eliminated the ACA’s federal individual mandate penalty effective 2019, a change the Congressional Budget Office estimated would raise the uninsured by millions and push up individual...
Changes in a household’s income during the year affect how much advance premium tax credit (APTC) an enrollee is entitled to and therefore determine whether they must repay excess APTC or receive addi...
Federal estimates of the cost of ACA marketplace subsidies in 2024 vary sharply depending on the measure—one industry brief reports "nearly $14 billion" in FY2024 for marketplace tax subsidies, while ...
CMS and other federal guidance for 2026 instructed insurers to prepare dual rate scenarios and made reconciliation rules stricter: issuers were told to file rates both assuming CSR payments remain unf...
Benchmark premiums are the second‑lowest cost Silver plan (SLCSP) in a local Marketplace and they set the dollar amount from which premium tax credits are calculated; the tax credit equals the benchma...
Congress faces a looming deadline: enhanced ACA premium tax credits that helped roughly 21–22 million enrollees are scheduled to expire at the end of 2025, and multiple bills and White House/Republica...