Tens of millions of Americans who purchase their health insurance through the Affordable Care Act’s marketplaces are now paying significantly higher premiums for their coverage because Congress did not extend the enhanced premium tax credits in effect since 2021.
In the average congressional district, an estimated 55,800 people enrolled in marketplace health insurance plans in 2025. Without the enhanced tax credits, the average enrollee’s premium has increased by $754.
The premium increases will be particularly severe for those who benefited the most from the enhanced tax credits. For a benchmark silver plan:
● An older couple age 60 with a household income of $85,000 has seen their premiums increase by over $24,000 this year – to over four times what they paid last year.
● A family with two adults age 40, two children, and a household income of $129,000 has seen their premiums increase by more than $12,700 this year – to more than double what they paid last year.
● A single-parent household with one adult age 35, one child, and a household income of $32,000 has seen their premiums increase by more than $1,300 this year – to over 100 times more than they paid last year.
As a result of the price increases, up to 14,500 people in the average district are projected to drop health insurance coverage.
Note: estimates were updated on April 7, 2026.
