Overview
- The temporary expansion of Affordable Care Act premium tax credits enacted in 2021 is set to lapse at year’s end after Congress failed to reach a deal.
- A House floor vote on a three‑year extension is expected in early January after four Republicans joined a discharge petition, though the Senate outlook remains uncertain.
- KFF estimates the average annual premium paid by subsidized enrollees could rise from about $888 in 2025 to $1,904 in 2026 if the expansion ends.
- Coverage analyses report nearly 22 million people could see premiums more than double, with Michigan estimates including about 137,700 projected to lose ACA coverage without the credits.
- President Donald Trump has opposed extending the subsidies and says he plans to convene insurers to discuss costs, as open enrollment continues through Jan. 15 on HealthCare.gov.