
A looming deadline threatens to upend the health care landscape for millions of Americans, with 25 million individuals facing potential premium hikes and 4 million at risk of losing their insurance altogether. The clock is ticking on a Biden-era program that has made Affordable Care Act (ACA) coverage more affordable for non-elderly people who purchase private insurance on their own.
The program, which is set to expire on December 31, has provided significant financial assistance to individuals and families who buy insurance through the ACA’s online marketplaces, such as HealthCare.gov and state-run exchanges like Covered California. This assistance has resulted in hundreds, and sometimes thousands, of dollars in annual savings for these individuals.
However, if the program is allowed to lapse, the consequences could be severe. The Congressional Budget Office (CBO) predicts that over 4 million people will become newly uninsured, while millions more will be forced to choose between paying higher premiums or opting for less comprehensive coverage that leaves them vulnerable to larger out-of-pocket medical bills.
“This would be a huge premium shock for many people, and would mostly dwarf any gains they’re getting from tax cuts in the Republican plan that just passed,” said Larry Levitt, a health policy expert at the Kaiser Family Foundation (KFF).
The affected individuals are a diverse group, including contractors, small business owners, part-time students, and early retirees. They are spread across the country, with varying income levels, but all rely on the ACA’s marketplaces for their health coverage.
Despite the potential consequences, the Trump administration and Republicans have shown no indication that they will take action to extend the program. This inaction has sparked concerns among health care advocates and experts, who warn that the expiration of the program could undermine the progress made in reducing the number of uninsured Americans.

