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1h ago

Senate Sets ACA Subsidy Vote With GOP Split on Alternatives as Collins–Moreno Unveil Two-Year Plan

Analysts warn the year-end lapse would sharply raise premiums, pushing many off coverage.

Shoppers walk outside a grocery store in Bergenfield, New Jersey, on October 24.
FILE - State Rep. Ryan Mackenzie speaks before Republican presidential nominee former President Donald Trump speaks at a campaign rally, in Allentown, Pa., Oct. 29, 2024. (AP Photo/Matt Rourke, File)
As Congress faces a year-end deadline on Affordable Care Act subsidies, Senate Minority Leader Chuck Schumer, D-N.Y., left, and House Minority Leader Hakeem Jeffries, D-N.Y., meet with reporters about health care affordability, at the Capitol in Washington, Wednesday, Dec. 3, 2025. (AP Photo/J. Scott Applewhite)
WASHINGTON, DC - NOVEMBER 10: U.S. Sen. Bernie Moreno (R-OH) jokes with a photographer about his attire as he arrives for evening votes on November 10, 2025 on Capitol Hill in Washington, DC. The Senate reached a deal late Sunday to fund the government, aiming to end the longest shutdown in history. (Photo by Andrew Harnik/Getty Images)

Overview

  • Senators plan a Thursday vote on Democrats’ clean three-year extension of enhanced Affordable Care Act tax credits, a measure expected to fall short of the 60 votes needed in a GOP-controlled chamber.
  • Republicans have not united behind a single counterproposal, weighing options from income caps and fraud curbs to routing funds into Health Savings Accounts backed by President Donald Trump and Sen. Bill Cassidy.
  • Sens. Susan Collins and Bernie Moreno introduced a two-year plan that adds a $200,000 income cap and a $25 minimum monthly payment, diverging from GOP colleagues pushing HSA conversions and abortion-funding restrictions.
  • In the House, Speaker Mike Johnson says Republicans will bring forward a proposal, as a 35-member bipartisan group promotes a CommonGround 2025 framework with a one-year extension, income limits, anti-fraud measures, and a longer enrollment window.
  • A KFF survey finds one-quarter of marketplace enrollees are very likely to go uninsured if enhanced aid expires, with projections of premiums more than doubling in 2026 and a CBO estimate of 3.8 million more uninsured later in the decade.