09/24/2025
Individual Health Insurance update:
As of September 2025, the enhanced Affordable Care Act (ACA) subsidies are scheduled to expire at the end of the year, meaning millions of Americans face higher health insurance premiums in 2026 unless Congress acts to extend them.
The enhanced premium tax credits were originally introduced by the America Rescue Plan Act in 2021 and extended by the Inflation Reduction Act in 2022, but they are currently set to end on December 31, 2025.
• Reinstatement of the income cap: Eligibility for subsidies would revert to the original ACA rules, with an income cap of 400% of the federal poverty level. This is reinstating what is referred to as the “Subsidy Cliff”!
This would make millions of middle-class enrollee’s ineligible for any financial assistance.
It is projected that the average premium would rise by 75% in 2026 according to the Kaiser Family Foundation.
• Increased premium costs: Those who remain eligible for subsidies would see them shrink, leading to higher monthly costs.
Statewide Health Insurance covering all of your personal and business needs. Our convenient website allows you to request insurance quotes twenty-four hours a day. Our valued customers can also service their policies at anytime, day or night, at www.statewidehealthinsurance.com.