WASHINGTON — For 90,000 Minnesotans, the Affordable Care Act may soon become unaffordable.

That’s because a COVID-era policy by the Biden administration that has lowered the cost of an insurance policy in the ACA marketplace, called MNsure in Minnesota, will end on Dec. 31 unless Congress acts.

The ACA helps people pay insurance premiums on a sliding scale according to their income. The subsidies, or tax credits, were boosted and extended to higher-income people in 2021 through the American Rescue Plan.

That made health insurance effectively free for many Americans close to the poverty line and offered new financial assistance to individuals earning about $60,000 and a family of four with an income of more than $128,600 in 2025.

The Kaiser Family Foundation estimates that an end to the

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