ACA Subsidies: New Report Reveals Impact of Trump Admin Changes
Summary
A new report from KFF shows that changes in health insurance subsidies after President Trump’s administration led to higher costs and fewer people covered under the Affordable Care Act (ACA). When enhanced tax credits ended in 2025, many Americans saw their monthly payments and deductibles rise, and millions dropped their health insurance.Key Facts
- Enhanced premium tax credits introduced during President Biden’s term made ACA coverage cheaper and increased enrollment to record highs.
- These enhanced subsidies expired at the end of 2025, causing insurance costs to rise sharply.
- Enrollment in ACA plans is expected to fall from 22.3 million in 2025 to 17.5 million in 2026, losing nearly 5 million people.
- Average monthly premiums increased by 58%, rising from $113 to $178.
- Average deductibles rose by 37%, or about $1,027 more, reaching a record high of $3,786.
- More consumers are choosing cheaper plans with higher deductibles, known as bronze plans, which may reduce access to affordable care.
- Middle-income Americans, self-employed, gig workers, and those without employer insurance were most affected by subsidy losses.
- A small group just above the subsidy cutoff caused 27% of enrollment losses despite being a small part of total enrollees.
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