How Will the Loss of Enhanced Premium Tax Credits Affect Older Adults?

(Authors: Matt McGough, Lynne Cotter, Justin Lo, Matthew Rae, Cynthia Cox, and Tricia Neuman for The Kaiser Family Foundation Published: Feb 26, 2026)

With the expiration of the Affordable Care Act (ACA) Marketplace’s enhanced premium tax credits as of December 31, 2025, the average ACA enrollee who received a premium tax credit faces a doubling of their premium payments for the same plan. Older adults, who make up a large share of Marketplace enrollees, are disproportionately affected by the loss of enhanced premium tax credits. About one-third of all Marketplace enrollees (8 million people) were between ages 50 and 64 in 2023 (the most recent year of data available), constituting a sizeable portion of those purchasing Marketplace plans. The number of people with ACA Marketplace coverage generally increases with age, peaking at age 64, as the chart below shows. Continue reading here…

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