What Happens to Health Insurance Costs in 2026? As 2025 draws to a close, enhanced premium tax credits for Affordable Care Act (ACA) marketplace plans are set to expire on December 31 unless Congress acts. These credits, boosted in recent years, have helped keep monthly premiums affordable for millions of Americans purchasing individual coverage. According to estimates from health policy experts, if the enhanced credits end, average out-of-pocket premium payments could more than double in 2026—f

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