Here's how much ACA premiums would have risen this year without tax subsidies

"Millions of Americans are bracing for higher health costs in 2026, as subsidies that help them pay for health insurance under the Affordable Care Act are set to expire on December 31. Experts warn that a failure in Congress to extend the tax credits could be financially devastating for individual policyholders, while also raising health care costs as a whole. Roughly 22 million Americans receive the ACA subsidies, which were created in 2021 to lower households' monthly premiums."

"New data from investment adviser SmartAsset projects how much people around the U.S. with an ACA plan would have paid on average for coverage in 2025 if they hadn't received the enhanced subsidies. In Mississippi, where around 11% of residents are enrolled in an ACA plan, participants would have seen their average monthly premiums jump from $41 to $605, a 1,376% increase, SmartAsset found. In West Virginia, enrollees' premiums would have risen an average of 1,058%."

Enhanced premium tax credits for Affordable Care Act enrollees are scheduled to expire on December 31, 2025, putting roughly 22 million Americans at risk of much higher monthly premiums. SmartAsset's analysis using CMS 2025 marketplace data projects that without the enhanced subsidies, average monthly premiums in 2025 would be hundreds of dollars higher, with examples such as Mississippi rising from $41 to $605 and West Virginia increases over 1,000%. KFF notes that final increases will vary by plan, age, income, health status and location, and estimates average annual out-of-pocket premium costs will rise about 114% for affected enrollees.

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