NEW YORK – Obamacare premiums are poised to jump next year, driven by expiring federal subsidies and the highest proposed rate hikes since 2018, setting up a pocketbook shock for millions of marketplace enrollees, unless Congress intervenes.

The core driver is the scheduled sunset of enhanced premium tax credits at year-end, which could lift out-of-pocket bills by roughly 75%, on average, for subsidized customers on top of insurers’ underlying rate increases for 2026, according to analyses cited by both The New York Times and Fortune .

What’s changing

Enhanced tax credits that have lowered Affordable Care Act (ACA) marketplace premiums since 2021 are set to expire at the end of this year unless lawmakers pass an extension, a development that could expose more than 20 mill

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