Name: Premiums to rise without ACA deal
Uploaded: 2025-11-03T18:45:19.301Z
Duration: 3 min 8 s
Description: ACA tax credits for middle-class enrollees expire at the end of the year. With nearly 7.5 million Americans set to lose those credits for 2026, according to the Urban Institute, more GOP members of Congress are starting to voice their support for an extension because their constituents will feel the pain of losing them.

ACA tax credits for middle-class enrollees expire at the end of the year. With nearly 7.5 million Americans set to lose those credits for 2026, according to the Urban Institute, more GOP members of Congress are starting to voice their support for an extension because their constituents will feel the pain of losing them.

Open enrollment for the Affordable Care Act (ACA) is beginning, but there is currently no agreement to extend enhanced tax credits that have made coverage more affordable for many Americans. Without an extension, nearly 7.5 million people could lose access to these subsidies, with close to 5 million expected to go uninsured, according to the Urban Institute.

The impact would be most severe in several southern states, where some districts could see subsidized enrollment drop by over 50%. Premiums for those losing enhanced tax credits could increase by more than 200%, with specific examples in Georgia, Texas, and Florida highlighted. While some Republican lawmakers are urging negotiations, talks remain at a standstill.

Premiums to rise without ACA deal

ACA open enrollment beginning this weekend with no deal in sight for enhanced subsidies. Our Bertha Coombs has a look at why some GOP members are pushing for a deal. Bertha what can we expect here. Courtney with no deal in sight. No talks at the moment to extend those enhanced tax credits which have allowed the middle class to get subsidies. Some of them will face upwards of a 300 percent effective price increase for 2026 coverage. And enrollees in red states could be some of the ones that face some of the biggest increases. The Urban Institute looked at where you could see the biggest losses. They estimate that without these extensions seven and a half million people nearly seven and a half will no longer qualify for enhanced subsidies and close to five million of them will just go uninsured. Now some of the biggest losses in coverage as you look here the ones that are the states that are the darkest red states like Georgia which could see a 53 percent drop in subsidized enrollment while Texas and Speaker Mike Johnson's home state of Louisiana could see a 60 percent plus drop when you drill down by congressional district. According to KFF data there are 75 districts where more than 10 percent of people now get their coverage through the ACA with over 60 of those districts in Georgia Texas and Florida alone. So while premiums on average are going up about 26 percent people losing those enhanced tax credits face much steeper prices. In Marjorie Taylor Greene's district in Georgia 10 percent of constituencies rely on the ACA for a 40 year old now making thirty one thousand dollars a year. The loss of those enhanced tax credits will result in a two hundred and forty six percent price increase for 2026. In Representative Monica de la Cruz's district in Texas 18 percent of people there are insured on ACA for a 60 year old couple making eighty two thousand dollars. They would see a 230 percent effective increase in what they'd have to pay. While in Florida in Congressman Carlos Jimenez's district where one in three people are on ACA plans that same couple would face an effective two hundred and ninety six percent price increase. Jimenez and de la Cruz were among more than a dozen Republicans who wrote Speaker Johnson last week pushing for negotiations on extending the enhanced tax credits. And we know that Marjorie Taylor Greene has also spoken out about this. Carl Bertha is going to ask you what the most extreme example you've heard of. But those sound pretty extreme. Yeah. Yeah. One of the things I talked to a policy analyst over at Raymond James Chris Meekins and I said you know some of the insurers are saying maybe we'll get this during open enrollment and we can sort of roll things back. He said the negotiations are going to be tough because even though they support it some Republicans want a lot more carve outs in order to come to an agreement.

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