David Valadao: The One Big Beautiful Bill Let The ACA Tax Credits Expire, Driving Up Health Care Costs For More Than 23,000 Individuals In CA-22 On Marketplace Plans, Which Resulted In Higher Monthly Payments Or Individuals Foregoing Coverage Entirely While Cutting Back On Essentials Like Food

The One Big Beautiful Bill Made Health Care More Expensive For 23,538 CA-22 Residents That Got Coverage From ACA Marketplace Plans

2025: 1,979,504 Individuals In California Were Enrolled In ACA Marketplace Plans. [KFF, 4/2/25]

[KFF, 4/2/25]

NOTE: The above data was calculated before Prop 50 redistricted California.

2025: 23,538 Individuals In CA-22 Were Enrolled In ACA Marketplace Plans. [KFF, 10/3/25]

[KFF, 10/3/25]

NOTE: The above data was calculated before Prop 50 redistricted California.

60-Year-Old Couples Making $82,000 In CA-22 Were Expected To See An Increase Of 265% In Out-Of-Pocket Monthly Payments When The ACA Tax Credits Expired

60-Year-Old Couples Making $82,000 Were Expected To See An Average Increase Of 265% In Costs For Premiums After The Expiration Of The ACA Tax Credits. [KFF, accessed 5/19/26]

[KFF, accessed 5/19/26]

NOTE: The above data was calculated before Prop 50 redistricted California.

KFF Health System Tracker: Insurers That Participated In The ACA Marketplaces Raised Premiums On Average By 20% In 2026. “For 2026, across 312 insurers participating in the ACA Marketplaces from the 50 states and the District of Columbia, this analysis shows a median proposed premium increase of 18%, which is about 11 percentage points higher than last year. This is the largest rate change insurers have requested since 2018, the last time that policy uncertainty contributed to sharp premium increases. On average, ACA Marketplace insurers are raising premiums by about 20% in 2026. Based on a more detailed analysis of available documents from insurers in 19 states and the District of Columbia, like in prior years, growth in health care prices stood out as a key factor driving costs in 2026. Insurers cite increasing cost and utilization of high-priced drugs as well as general market factors, such as increasing labor costs and inflation, as contributing to premium increases.” [Health System Tracker, 8/6/25]

The One Big Beautiful Bill Did Not Extend Enhanced Premium Tax Credits For ACA Marketplace Plans. “The OBBBA did not extend enhanced premium tax credits for ACA marketplace plans. As a result, when open enrollment begins on November 1, 2025, 20 million marketplace enrollees will see their premium costs spike.” [Center for American Progress, 7/29/25]

• The Expiration Of Enhanced Tax Credits Would Lead To Out-Of-Pocket Premiums For ACA Marketplace Enrollees Increasing By An Average Of Over 75%. “In addition to rising healthcare costs, the majority of insurers are also taking into account the potential expiration of enhanced premium tax credits in their premium rate increases for the next year. The expiration of enhanced tax credits will lead to out-of-pocket premiums for ACA marketplace enrollees increasing by an average of more than 75%, with insurers expecting healthier enrollees to drop coverage. That, in turn, increases underlying premiums. Other federal policy changes, like the implementation of tariffs and the ACA Marketplace Integrity and Affordability rule were also discussed, though to a lesser extent.” [Health System Tracker, 8/6/25]

2026: Statewide Coverage From ACA Tax Credits Dropped 32% From 2025, With Nearly 400,000 Policyholders Expected To Be Priced Out Of Their Care, And Leading To “Tens Of Thousands Of Middle-Class Californians” Facing Steep Increases To Health Insurance Costs

Los Angeles Times Headline: “The Loss Of Healthcare Subsidies Forces Californians To Pay More Or Go Without” [Los Angeles Times, 2/6/26]

Los Angeles Times: “Tens Of Thousands Of Middle-Class Californians [Were] Facing Steep Increases In Health Insurance Costs After Congress Allowed Enhanced Federal Subsidies For Affordable Care Act Plans To Expire Dec. 31.” “Tencer is among tens of thousands of middle-class Californians facing steep increases in health insurance costs after Congress allowed enhanced federal subsidies for Affordable Care Act plans to expire Dec. 31. Those extra subsidies were enacted in 2021 as part of temporary, pandemic-era relief, boosting financial help for people buying coverage on state-run insurance marketplaces such as Covered California. The law also expanded eligibility to people earning more than 400% of the federal poverty level, about $62,600 for a single person and $128,600 for a family of four. With the expiration of the enhanced subsidies, people above that income threshold no longer receive federal assistance, and many who still qualify are seeing sharply higher premiums and out-of-pocket costs. On top of the loss of the extra federal benefits, the average Covered California premium this year rose by 10.3% because of fast-rising medical costs.” [Los Angeles Times, 2/6/26]

San Francisco Chronicle Headline: “Covered California Policyholders Are Downgrading Their Plans As New Enrollees Plummet” [San Francisco Chronicle, 1/20/26]

San Francisco Chronicle: “The Number Of New Covered California Enrollees Has Plunged About 32% Compared With Where It Stood A Year Ago, And The State’s Affordable Care Act Marketplace Is Bracing For The Eventual Loss Of 400,000 Policyholders, Most Of Whom Will Be Priced Out.” “The number of new Covered California enrollees has plunged about 32% compared with where it stood a year ago, and the state’s Affordable Care Act marketplace is bracing for the eventual loss of 400,000 policyholders, most of whom will be priced out. Tens of thousands of Covered California policyholders are facing skyrocketing costs to maintain the health insurance coverage they held last year, following the end of enhanced federal health care tax credits that the Republican-led Congress and President Donald Trump allowed to expire. The loss of the subsidies, which lowered out-of-pocket costs for health plans, forced a record-breaking federal government shutdown last year, but Democrats so far haven’t succeeded in restoring them.” [San Francisco Chronicle, 1/20/26]

2026: In A Survey Of ACA Marketplace Enrollees, More Than Half Of Respondents Reported Cutting Back On Food, Clothing, Or Basic Household Items To Afford Health Care

Wall Street Journal: “Among All Survey Respondents Who Still Had ACA Plans…More Than Half Said They Were Cutting Back Spending On Food, Clothing Or Basic Household Items To Afford Healthcare.” “Many of those who retained ACA plans are still in a 90-day grace period that allows them to keep their coverage even if they weren’t making premium payments. Among all survey respondents who still had ACA plans, 4% had yet to make a premium payment this year. More than half said they were cutting back spending on food, clothing or basic household items to afford healthcare. The ACA changes, which were the subject of a political battle that led to the longest-ever government shutdown last year, are likely to become a flashpoint again in this fall’s midterm elections. Democrats have blamed Republicans for failing to renew the expanded subsidies, and for growing healthcare costs. Republicans have argued the ACA is flawed and needs to be changed.” [Wall Street Journal, 3/19/26]

• MS NOW Headline: “Report: Majority Of ACA Enrollees Are Cutting Back On Food To Afford Health Insurance” [MS NOW, 3/19/26]