Americans Brace for Health Insurance Premium Hikes Amid Political Stalemate

Fri Dec 05 2025 00:29:36 GMT+0200 (Eastern European Standard Time)

With the expiration of COVID-era tax credits looming, many Americans face significant increases in health insurance premiums, leading to financial strain and uncertainty.

As health insurance premiums are set to rise steeply, many Americans dependent on the Affordable Care Act (ACA) are bracing for financial hardship. In Virginia, Dinam Bigny, burdened by rising costs averaging nearly $1,100 monthly, expresses his concerns as proposals for extending vital tax credits stall in Congress amidst political contention. A recent survey highlights that most ACA enrollees foresee their health costs escalating, urging Congress to reach a compromise and support struggling Americans.

WASHINGTON (AP) — Americans relying on the Affordable Care Act (ACA) marketplace health insurance programs are facing daunting challenges as health insurance premiums look set to soar next year. For 52-year-old Dinam Bigny from Aldie, Virginia, the steep monthly premium of nearly $900 this year will rise by $200, pushing him to consider cheaper coverage options in a bid to cope with his financial situation.

“I won’t be able to pay it, because I really drained out any savings that I have right now,” he shared in a recent interview. “Emergency fund is still draining out — that’s the scary part.”

A recent survey conducted by KFF, a healthcare research nonprofit, highlights that Bigny’s struggles reflect a larger trend among Americans dependent on ACA plans, revealing that a majority expect their health costs to be altered significantly unless Congress acts to extend expiring COVID-era tax credits. Over 90% of enrollees depend on these tax credits to help manage their premiums.

Congressional negotiations surrounding the potential extension are ongoing but appear increasingly contentious, as proposed solutions divide lawmakers along party lines. On one side, Democrats advocate for clear continuation, while some Republicans staunchly oppose any move in that direction, resulting in delays and complicating the legislative process further.

A bipartisan group of marketplace enrollees shows overwhelming support for the extension of these critical credits, with many indicating they would view a failure to secure these initiatives as an indictment on conservative lawmakers. Interestingly, it was noted that the survey respondents were more inclined to assign blame to Republicans than Democrats if the credits are not renewed.

In addition to rising premiums, the ongoing economic pressures have many Americans living paycheck to paycheck. Cynthia Cox, a vice president of KFF, pointed out that many ACA enrollees, who often experience volatile income situations, could face significant financial difficulties from even minor increases in health costs.

With only a few weeks remaining until the critical window to secure health insurance for next year, Bigny hopes for a political compromise and a temporary extension that would ease the burden on millions struggling to afford essential healthcare.