Some Americans say they'll go without health insurance as ACA rates spike
Updated on: January 9, 2026 / 4:41 PM EST / CBS News
TL;DR
- The expiration of ACA tax credits by December 31, 2025, is projected to cause premiums to increase by an average of 114%.
- An estimated 22 million Americans received ACA tax credits, and their lapse could lead to an average of 3.8 million more uninsured individuals annually from 2026 to 2034.
- Individuals are considering forgoin insurance, opting for home births, or switching to plans with higher deductibles and out-of-pocket costs.
- Delayed medical care and increased reliance on emergency rooms are predicted outcomes, potentially driving up costs for all patients.
- The House of Representatives has approved a three-year extension of the ACA tax credits, but the bill faces challenges in the Senate.