BISMARCK — Farmers heavily reliant on coverage through the Affordable Care Act marketplace are likely to see out-of-pocket health insurance premium payments rise more than 75% on average in 2026.

Enhanced Affordable Care Act premium tax credits will expire at the end of 2025, unless renewed by Congress.

For farmers accessing health insurance through the North Dakota Farmers Union insurance division, that could mean a big increase in family expenses.

More than 70% of farmers in the state who are members of the union get a tax credit on the ACA marketplace, according to Lance Boyer, sales director of financial products at Farmers Union Insurance.

Those added out-of-pocket costs could hit North Dakota farmers at a time when many are already pressured from the impacts of tariffs, inflation

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