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What Happens Next for Health Insurance Costs in 2026? As 2025 comes to a close, enhanced premium subsidies for Affordable Care Act (ACA) marketplace plans—temporary boosts introduced in 2021 and extended through this year—are set to expire on December 31. These subsidies have helped make coverage more affordable for over 22 million enrollees, keeping out-of-pocket premiums lower for many families. Without congressional action to extend them, experts estimate average premium payments could more t
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