Democrats Target 2026 Midterms With ACA Premium Hike Warning
Democrats are eyeing the 2026 midterms, focusing on health care, specifically the expiration of enhanced premium tax credits for the Affordable Care Act (ACA) at the end of 2025. This could lead to a significant increase in premiums for families and potential loss of coverage for millions.
If the tax credits expire, the average annual premium for a family of four enrolled in ACA coverage would soar from $1,632 in 2025 to $3,408 in 2026. This jump could lead to a mass exodus from the marketplace, with KFF projecting 3.98 million Americans, including 1.04 million Texans, to drop coverage.
Texas, receiving $24 billion in federal funding from the enhanced premium tax credits, is particularly at risk. Some Texas Republicans have shown openness to preserving the subsidies, but they're caught between representing a state with high ACA enrollment and their conservative convictions against the policy. Democrats believe highlighting this issue could help them win back the House in 2026.
The expiration of enhanced ACA premium tax credits in 2026 could lead to a substantial increase in health insurance costs and loss of coverage for millions. Democrats are capitalizing on this opportunity to win votes in the 2026 midterms, particularly in Texas, where the impact would be significant. However, Texas Republicans remain divided on how to address this issue.
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