Overview
- Lead negotiators Bernie Moreno and Susan Collins now target the end of January to release a bipartisan proposal to temporarily restore enhanced Affordable Care Act tax credits.
- The emerging framework would run for two years with added limits such as an income cap near roughly 700% of the poverty level, a $5 minimum monthly premium, insurer penalties to curb improper sign-ups, and a potential extension of open enrollment to March 1.
- Disagreement over how to address the Hyde Amendment remains a central obstacle, with Republicans pressing for enforcement mechanisms and Democrats warning the fight could derail relief.
- The House passed a three-year clean extension on Jan. 8, but Senate Republicans blocked quick consideration and leaders say any deal must draw support from a majority of the GOP conference and reach 60 votes.
- Enrollment stands at about 22.8 million for 2026 versus roughly 24.2–24.3 million last year, most state deadlines hit Jan. 15 with some extensions, and KFF estimates average subsidized premiums jump from $888 to $1,904 without renewed aid as President Trump promotes an alternative plan with direct payments or HSAs.