Health Insurance Premiums on the Rise: Struggles of ACA Enrollees

Fri Dec 05 2025 05:02:46 GMT+0200 (Eastern European Standard Time)

As the deadline approaches for Congress to act on expiring COVID-era tax credits, many Americans enrolled in Affordable Care Act (ACA) marketplaces face substantial premium increases, leading to financial distress. Surveyed enrollees express overwhelming concern for their health care costs.

With ACA marketplace health insurance premiums set to rise significantly next year, many Americans are grappling with the financial burden. A recent survey reveals that the majority of enrollees fear the expiration of enhanced tax credits will lead to increased health costs, complicating their already strained budgets. The political impasse in Congress adds to the uncertainty for these individuals who rely heavily on affordable healthcare.

As the new year approaches, many Americans enrolled in Affordable Care Act (ACA) marketplace plans are staring down hefty insurance premium increases. Dinam Bigny, a 52-year-old program manager from Aldie, Virginia, is particularly impacted by this situation, witnessing his premiums rise by $200 to nearly $1,100 per month. With his savings already diminished, he is now seeking more affordable coverage options.

This scenario reflects a wider crisis among ACA enrollees, who, according to a recent KFF survey, fear continued increases in health care costs as Congress debates the extension of enhanced tax credits that were crucial during the COVID-19 pandemic. Over 90% of enrollees rely on these credits, and many are uncertain about their ability to absorb the financial hit if the subsidies disappear.

The survey highlighted that more than half of those enrolled anticipate their insurance costs will rise significantly, with many expressing that they will struggle to afford out-of-pocket expenses associated with their health care. As illustrated by Larry Griffin, another ACA enrollee whose monthly bills could ramp up to $1,400, it’s a critical period with dire implications for household budgets.

Aspirations for extending the tax credits seem to be increasingly hindered by a partisan stalemate in Congress, exacerbating the anxiety surrounding health insurance accessibility. Potential legislative solutions are evolving, yet consensus remains elusive among lawmakers.

For many like Bigny and his fellow enrollees, immediate action from Congress could mean the difference between affordable health care or financial hardship in the coming months. The specter of escalating health insurance costs weighs heavily on those dependent on these critical subsidies.