How states are responding to expiring ACA subsidies

Enhanced ACA premium tax credits expire Dec. 31, leaving millions of marketplace enrollees facing higher premiums in 2026. Congressional efforts to extend the subsidies have stalled, with neither a Democratic three-year extension proposal nor a Republican alternative focused on HSAs passing the Senate. A House vote on extending the subsidies could still happen in early January.

A handful of states have taken action recently to mitigate the impact, though none can fully replace the federal funding in the long term. Here’s what they’re doing:

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