Overview

• Urban Institute projects that letting the enhanced tax credits lapse after 2025 would end subsidized Marketplace coverage for 7.3 million people and leave 4.8 million more uninsured.
• KFF warns consumers could see average out-of-pocket premiums jump by roughly 75% if open enrollment begins without an extension, as insurers finalize 2026 rates now.
• Republican leaders oppose attaching an extension to this month’s funding bill, though some in the party back short-term fixes, and Sen. Lisa Murkowski has offered a bill to continue the credits.
• The Congressional Budget Office estimates extending the enhanced subsidies would cost about $35 billion per year, a price critics cite alongside concerns about fraud and market distortions.
• Enrollment in ACA plans has reached more than 24 million selections for 2025, with analysts forecasting especially steep declines in subsidized enrollment in eight states if the credits expire.