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Me 3645 Studio | Moment | Getty Images Republicans gave a roughly $4 trillion tax cut to Americans in the so-called “big beautiful bill” that President Donald Trump signed into law last week, extending several tax provisions slated to expire next year. However, there was a notable omission: an extension of enhanced premium tax credits, according to health policy experts. The enhanced credits, in place since 2021, have lowered the cost of health insurance premiums for those who buy coverage through the Affordable Care Act marketplace. (Enrollees can use these to lower their premium costs upfront or claim the credits at tax time.) They’re slated to expire after 2025. More than 22 million people — about 92% of ACA enrollees — received a federal subsidy this year that reduced their insurance premiums, according to KFF, a nonpartisan health policy research group. Those recipients would see “sharp premium increase” on Jan. 1, Cynthia Cox, the group’s ACA program director, said during a webinar on Wednesday. Average premiums may rise 75% The average marketplace enrollee saved $705 in 2024 — a 44% reduction in premium costs — because of the enhanced tax credits, according to a November analysis by the Center on Budget and Policy Priorities. Without the credits, average out-of-pocket premiums in 2026 would rise by more than 75%, Larry Levitt, KFF’s executive vice president for health policy, said during the webinar. Additionally, 4.2 million Americans would become uninsured over the next decade if the enhanced subsidies lapse, according to the Congressional Budget Office. That growth in the ranks of the uninsured is on top of the nearly 12 million people expected to lose health coverage from over $1 trillion in spending cuts Republicans made to health programs like Medicaid and the ACA to help offset the legislation’s cost. The spending…

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Filed under: News - @ July 11, 2025 10:26 am