If Enhanced ACA Tax Credits Expire, Older Marketplace Enrollees Face Steepest Premium Hikes

(By Matt McGough for The Kaiser Family Foundation published Oct. 6, 2025)

If Congress does not extend the enhanced premium tax credits, older Marketplace enrollees, especially early retirees and the self-employed, would see some of the steepest increases in premiums.

The enhanced premium tax credits lowered the share of income enrollees had to pay toward premiums and expanded subsidy eligibility to people with incomes above 400% of the federal poverty level (FPL), or $62,600 for an individual signing up for coverage in 2026. This drew more middle-income individuals and families into the Affordable Care Act (ACA) Marketplaces, many of whom are in their 50s and early 60s, are early retirees or not offered insurance through their employer and are not yet eligible for Medicare. Continue reading here…

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