With open enrollment underway, Americans are bracing for steep Affordable Care Act premium increases tied to expiring tax credits. In Utah, Stacy Cox says her monthly bill could jump from $495 to $2,168 in 2026 without the subsidy, or to $754 even if it’s extended. In Virginia, Beth Dryer learned her plan would rise to $425 with no credit. A KFF analysis projects average premiums would more than double if enhanced credits lapse at the end of 2025, even rising 26% in 2026 if they continue.