Extend Health Care (ACA) Subsidies To Prevent A Health Coverage Crisis

I urge you to act to extend the enhanced Affordable Care Act (ACA) subsidies because allowing them to expire would cause drastic and avoidable harm to families, state systems, and insurance markets. Without congressional action this year, millions of Americans will face sudden premium spikes that many simply cannot pay, leading to widespread loss of coverage and serious instability in the health care system. Severe Premium Increases If Subsidies Lapse Nonpartisan analyses show that annual premium payments for subsidized enrollees would more than double if the enhanced ACA subsidies end this year. Families who depend on these credits would face unaffordable costs that could force them out of the marketplace entirely. Major Coverage Losses And Market Disruption Experts warn that millions would lose coverage almost immediately, with the sharpest losses among working families, older adults, and people in states with limited plan options. The rapid exit of healthier enrollees would damage risk pools, drive premiums even higher, and trigger plan withdrawals in multiple states. Economic Damage And Public Health Consequences A large increase in the uninsured would raise medical debt, increase emergency room reliance, and interrupt treatment for chronic conditions. Hospitals and states would face higher uncompensated care burdens, straining budgets and weakening local health systems. Congressional Action Is Critical I respectfully ask you to support legislation that extends the enhanced ACA subsidies and maintains expanded eligibility rules. Insurers and state regulators must finalize next year’s rates soon, and only timely congressional action will prevent widespread financial harm and a major public health setback.