ACA Enhanced Tax Credit Expiration

Most individuals and families who purchase their own healthcare coverage were eligible for premium tax credits that reduced their out-of-pocket costs from 2014 until they expired at the end of 2025. 

Co-Equal has developed estimates for each congressional district of the number of individuals who enrolled in marketplace coverage in 2025, their average premium increases due to the expiration of the enhanced tax credits, premium increases for three representative households, and coverage losses.

In the average congressional district, 55,800 individuals enrolled in marketplace coverage in 2025. With the expiration of the enhanced tax credits, enrollees’ premiums are expected to increase by $754 on average. Many individuals and families saw larger increases. In the average congressional district:

• A 60-year-old couple earning $85,000 has seen premiums more than quadruple – from $7,220 to an average of $31,310.
• A 40-year-old couple with two children earning $129,000 has seen premiums more than double – from $10,960 to an average of $23,720.
• A 35-year-old single parent earning $32,000 has seen premiums increase over 100-fold – from $13 to $1,350.

In the average district, up to 14,500 marketplace enrollees will become uninsured over the next decade.

Note: estimates were updated on April 7, 2026.