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ACA Subsidy Changes 2021-2026

The Affordable Care Act subsidy rules and changes from 2021 to 2026, including the impact of COVID-era enhanced premium tax credits and their expiration.

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Jan 11, 2026
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Comparison of ACA subsidies vs pre-ACA insurance costs by income

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...