As of January 1, 2026, pandemic-era health-insurance subsidies for millions of Americans have expired, triggering steep premium increases and leaving many enrollees facing financial strain. Enhanced Affordable Care Act (ACA) tax credits helped reduce premiums for about 20 million Americans; without them, average payments could more than double next year. Analysts warn that rising costs may push some people out of coverage entirely, affecting both individual and marketplace insurance plans.
AP News
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In this video, Lisa Cabrera breaks down:
• What happened to the enhanced ACA subsidies that expired at the end of 2025
• How premium costs are expected to jump across the health-insurance market
• Who is most affected by rising premiums and loss of assistance
• What lawmakers could do to extend help — and why negotiations stalled
• What this means for families, workers, and small business owners
• How this ties into broader healthcare cost trends in the U.S.
This explanation is based on The Economist reporting and verified health-insurance cost analyses — not speculation.
📍 GEO Focus: United States — national health insurance market.
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