Urban Institute Update
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Urban Institute Update
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4.8 million people will lose coverage in 2026 if enhanced premium tax credits expire
Enhanced premium tax credits (PTCs), set to expire at the end of 2025, have helped millions afford health insurance by lowering premiums—sometimes to zero for those with low incomes—and expanding subsidies to more households. If Congress doesn’t extend these credits, 4.8 million people could become uninsured in 2026, including 267,000 veterans.
Without enhanced PTCs, monthly premiums could rise by hundreds of dollars, making coverage unaffordable for many. Non-Hispanic Black people, non-Hispanic White people, and young adults would see the largest increases in uninsurance.
To protect these gains and prevent widespread coverage loss, Congress could consider making enhanced PTCs permanent.
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Photo credit: FG Trade / Getty Images
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