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Millions of Americans with Affordable Care Act (ACA) plans face potential double-digit premium increases and reduced federal subsidies in 2026. Insurers cite rising medical costs and policy changes as reasons for the hikes, adding extra percentage points to account for uncertainty around expiring COVID-era subsidies. Experts warn of significant out-of-pocket costs and potential uninsured populations. While Congress explores options to mitigate subsidy reductions, the situation poses significant political challenges and could lead to lower ACA enrollment.

Prepared by Olivia Bennett and reviewed by editorial team.