Healthcare Premiums Surge Amidst Political Stalemate on Tax Credits

Fri Dec 05 2025 13:40:21 GMT+0200 (Eastern European Standard Time)

As healthcare premiums rise significantly, many Affordable Care Act enrollees are caught in a financial bind, with the expiration of enhanced tax credits looming. Citizen stories reflect the urgent need for a legislative solution.

Dinam Bigny, a 52-year-old program manager from Virginia, faces increasing healthcare costs as his monthly insurance premiums are projected to rise by $200 next year. He is among numerous Americans struggling with high healthcare expenses, with concerns mounting over the expiration of COVID-era tax credits that support over 90% of enrollees. A recent KFF survey shows widespread expectation of cost increases, side by side with difficulty affording healthcare among participants, which has heightened calls for legislative action.

WASHINGTON (AP) — Dinam Bigny, a 52-year-old program manager from Aldie, Virginia, is feeling the financial strain of skyrocketing health insurance premiums. As his monthly payments are set to increase by $200 next year, he has already resorted to living with a roommate and depleting his savings to manage costs.

“I won’t be able to pay it, because I really drained out any savings that I have right now,” Bigny shared. He represents a significant portion of Americans dependent on Affordable Care Act (ACA) marketplace plans who are grappling with the steep high costs of healthcare.

A new survey by KFF reveals that a majority of over 1,300 enrolled participants foresee that their health costs will rise if Congress does not extend expiring COVID-era tax credits, which provide financial relief to more than 90% of enrollees.

With the clock ticking, many enrollees, including Bigny, have expressed fears about their financial future. He emphasizes that a lack of legislative action could mean severe hardship for individuals who are already living paycheck-to-paycheck.

In response to mounting pressures, Democratic lawmakers have proposed the immediate extension of these tax credits; however, opposition from several Republican members has stalled progress, exacerbating stresses that culminated in a record 43-day government shutdown previously.

The expiration of these enhanced premium tax credits threatens to double monthly fees for enrollees, raising alarm among those who are already struggling with high medical bills. About 60% of ACA enrollees report difficulty managing out-of-pocket expenses, while rising premiums further complicate their circumstances.

Individuals like Larry Griffin from California and Patricia Roberts from Alabama also fear significant hikes in their premiums, with many questioning how they will accommodate such expenses amidst other essential financial obligations.

Moreover, support for extending these tax credits cuts across party lines: nearly all Democrats, 80% of independents, and about 70% of Republicans advocated for a continuation in KFF's findings. The expectation for bipartisan cooperation in the near term remains tense, as Bigny and others hope lawmakers prioritize the welfare of American people over partisan politics.

As enrollees navigate this difficult landscape, the call for action is louder than ever, with many expressing the need for immediate legislative solutions to avoid financial distress in the coming year.