Health insurance premiums in the Affordable Care Act marketplace could increase by an average of 114% for subsidized enrollees in 2026 if Congress fails to extend enhanced subsidies set to expire at the end of 2025.

The dramatic increase stems from the scheduled expiration of subsidy enhancements that have helped millions of Americans afford health coverage. Without congressional action, many people will lose their subsidies entirely, while others will see significantly reduced assistance.

"The primary factor that's driving premiums so much higher is the impending expiration of the subsidy enhancements," said Louise Norris, a health policy analyst with healthinsurance.com. "For people who get a subsidy in the marketplace, which is nearly everyone, the average premium increase is more tha

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