John,

The Senate is on the clock. The enhanced Affordable Care Act premium tax credits expire at the end of this month, and a vote is expected next week. Without an extension, average out-of-pocket premium costs will more than double next year.[1] This is a manufactured crisis caused by congressional inaction.

About 24 million people rely on ACA marketplace coverage, and more than 90% get subsidies. Families near 400% of the poverty level will face some of the steepest increases. Many will be priced out entirely.

Congress can fix this with a simple vote. The tax credits have been a proven success: lowering the ranks of the uninsured, helping families afford care and preventing broader premium spikes. The choice is clear: protect affordable coverage or let costs skyrocket.

We need a surge of messages right now. Make it impossible for the Senate to ignore the people who will bear the cost of delay.

Tell your Senators to extend enhanced ACA premium tax credits before they expire this month.

The higher quotes families are seeing during open enrollment will become permanent for the 2026 plan year if Congress fails to act. The impact will fall hardest on middle-income families, small-business owners, and people nearing Medicare eligibility.

Republican lawmakers are pushing weaker alternatives that do nothing for the people who need help. Expanded deductions do not lower premiums. They help people with accountants and tax attorneys, not families struggling to afford care. The enhanced tax credits are the only immediate tool that keeps coverage affordable.

This vote is winnable, but only if Senators understand that their constituents are paying attention. Senators must know that there is no excuse for letting premiums more than double.

Tell your Senators that they must extend the enhanced ACA premium tax credits before they expire.

Together, we can stop Congress from raising healthcare costs.

John Foti
Legislative Director
Americans for Tax Fairness Action Fund

[1] ACA Marketplace Premium Payments Would More than Double on Average Next Year if Enhanced Premium Tax Credits Expire

-- David's email --

John,

People who get their health insurance through the Affordable Care Act marketplace are being quoted higher prices because Congress has not extended the enhanced ACA premium tax credits. If Congress fails to act before the end of this month, 2026 premiums for tens of millions of enrollees will more than double on average.[1] That is the difference between keeping coverage and going uninsured for millions of families already stretched thin.

Roughly 24 million people are enrolled in ACA marketplace plans, and more than 90% receive subsidies. If the enhanced tax credits lapse, out-of-pocket premium costs are projected to jump by 114% on average in 2026, from about $888 this year to $1,904. And that’s just the average. Much bigger price spikes will hit middle-income families, small-business owners, and people in their 50s and early 60s.

Senate leaders have promised a vote next week, but there is still no bipartisan deal. Some Republicans are pushing weaker alternatives that do nothing for the people who need help. Letting these tax credits expire is a choice to raise costs on working people while the ultra-wealthy keep their special treatment.

Healthcare affordability should not be a partisan issue. Voters across parties want these subsidies renewed. The Senate must extend the enhanced tax credits now to prevent avoidable premium hikes and coverage losses.

Tell your Senators to act quickly and renew the enhanced ACA premium tax credits before they expire later this month.

Insurers have already filed rates assuming Congress will fail to act. Every day of delay moves us closer to locking in higher prices for 2026. A clean extension will stabilize markets, keep people covered, and protect family budgets.

We know what happens when Washington prioritizes billionaire tax breaks over healthcare affordability. Families get squeezed while corporate interests celebrate. That is unacceptable, and it is avoidable.

Letting the enhanced tax credits lapse would destabilize marketplaces, raise uninsured rates, and increase financial strain on families already dealing with high costs. Congress can prevent all of that with a single vote.

We need a wave of public pressure before the Senate votes. Lawmakers must hear directly from the people who will be hit with these increases.

Flood the Senate with messages now and make them choose people over special interests. Demand they vote to extend the enhanced ACA premium tax credits.

Let’s make sure Congress protects affordable coverage.

David Kass
Executive Director
Americans for Tax Fairness Action Fund