Thousands of Kentuckians and Hoosiers will soon see substantial increases in insurance costs in the coming year as enhanced Affordable Care Act subsidies are set to expire.
With Congress on recess and no vote scheduled to extend the subsidies, Americans who purchase health insurance through Affordable Care Act marketplaces will lose access to enhanced premium tax credits beginning January 1. The lapse is expected to drive up monthly premiums for millions of people nationwide in 2026.
Health policy experts warn the change could be particularly stressful for families already struggling with rising costs.
According to HealthCare.gov, about 350,000 Hoosiers were enrolled in Affordable Care Act marketplace plans in 2025, along with roughly 100,000 Kentuckians. Many of those enrollees are expected to feel the impact of higher premiums.
Consumers can take steps now to help reduce costs, including shopping for lower-priced plans or switching from a Silver plan to a Bronze plan, which typically comes with lower monthly premiums but higher out-of-pocket costs.
Premium increases will vary depending on age, income and plan selection. People at the lower end of the income scale who previously paid nothing for coverage could see monthly premiums of around $80, while many middle-income enrollees may face increases of $100 or more.
Lawmakers remain divided on the issue. Republicans and Democrats have blamed each other for the stalemate, with leaders from both parties acknowledging the potential fallout for consumers.
The U.S. House is expected to vote in January on a Democratic proposal that would extend the Affordable Care Act subsidies for three years. Until then, consumers are encouraged to review their coverage options and prepare for possible premium increases.
Source: WDRB
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