Laurie Buckhout: The One Big Beautiful Bill Let The ACA Tax Credits Expire, Driving Up Health Care Costs For More Than 67,000 Individuals In NC-01 On Marketplace Plans
The One Big Beautiful Bill And Trump’s Tariffs Made Health Care More Expensive For 67,378 NC-01 Residents That Got Coverage From ACA Marketplace Plans
2025: 975,110 Individuals In North Carolina Were Enrolled In ACA Marketplace Plans. [KFF, 4/2/25]
Number Of North Carolina Residents Enrolled In ACA Marketplace Plans In 2025 | |
|---|---|
NC | ACA Marketplace Enrollees |
975,110 | |
[KFF, 4/2/25]
2025: 67,378 Individuals In NC-01 Were Enrolled In ACA Marketplace Plans. [KFF, 10/3/25]
Number Of NC-01 Residents Enrolled In ACA Marketplace Plans In 2025 |
|---|
NC-01 | ACA Marketplace Enrollees |
67,378 |
[KFF, 10/3/25]
2025: All Subsidized Enrollees In NC-01 Were Expected To See An Average Premium Increase Of 138% In Their Out-Of-Pocket Monthly Payments If The ACA Tax Credits Expired
2025: Individuals In NC-01 Were Expected To See An Average Increase Of 138% In Costs For Premiums After The Expiration Of The ACA Tax Credits. [KFF, 2/3/25]
Image: see original report, p. 10
- 2025: A 60 Year-Old Couple Making $82,000 In NC-01 Were Expected To See An Average Increase Of 353% In Costs For Premiums After The Expiration Of The ACA Tax Credits. [KFF, 2/3/25]
Average Premium Increase Percentage For NC-01 Residents On Silver Premium Plans After Expiration Of ACA Tax Credits | |
|---|---|
NC-01 | Average Premium Increase |
353% | |
[KFF, 2/3/25]
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]