Overview
- Democrats will force a vote on a clean three-year extension of the enhanced Affordable Care Act premium tax credits to keep marketplace premiums from rising.
- Republicans have coalesced around the Crapo–Cassidy plan to let subsidies end and deposit $1,000 for adults under 50 and $1,500 for ages 50–64 into health savings accounts tied to bronze or catastrophic plans, with restrictions on abortion and gender transition care.
- Senate leaders in both parties say neither bill is expected to clear the 60‑vote threshold, and House Democrats are pursuing a discharge petition as House Republicans debate alternatives.
- President Donald Trump backs directing funds to individuals rather than insurers, while GOP sponsors cite fraud concerns and high-income eligibility; health policy experts warn the HSA approach would leave lower-income and sicker enrollees exposed to higher costs.
- Nonpartisan analyses project that without action, premiums for more than 20 million ACA enrollees could roughly double starting in January, intensifying pressure on swing‑state Republicans exploring shorter, capped extensions.