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Good to see this finally getting attention. In theory, Republicans still have time to extend the IRA subsidies by another year in a separate bill, if only to avoid the midterm backlash. Not much time, though, as 2026 rates are locked in by September. They won’t, but they could.

They’d actually have to make it at least *two* years to avoid a midterm backlash, actually, since insurance carriers send out premium notices in October and Open Enrollment starts November 1st…just days ahead of Election Day.

Florida has over 4.7 MILLION residents enrolled in #ACA exchange plans...over 20% of the entire state population! 97% of them are currently subsidized. This will plummet. Over 2.3 MILLION of them currently pay less than $10/month after subsidies. That's going to plummet.

These examples assume the *unsubsidized* avg. premiums go up 4.3%. I don't have Florida's 2026 filings yet, but so far the actual average preliminary rate hikes across a dozen other states has been 18.5%. 👀

With those caveats: --a single 50-yr old earning $40K/yr would go from $154/mo to $258/mo. --a single parent earning $30K/yr would go from $0/mo to $87/mo. --a family of 4 earning $70K/yr would go from $148/mo to $378/mo. --a 64-yr old couple earning $90K would go from $638/mo to $2,236/mo.

In Florida: Average ACA premium WITH subsidies: $67/mo. Average ACA premium WITHOUT subsidies: $641/mo. Not all of the subsidies will disappear but a major chunk will.

Is anything changing with deductibles, which are already high?

The insurance has become unusable in the last few years. They have made the deductibles so high the payer never reaches them unless they have a catastrophic illness and then still need to pay thousands.