Patti Adair Opposed The Extension Of Affordable Care Act Advanced Premium Tax Credits, Whose Expiration Drastically Raised Health Care Costs For OR-05 Residents On Marketplace Plans

Adair Opposed The Extension Of Affordable Care Act Advanced Premium Tax Credits

November 2025: Adair Retweeted A Post Opposing The Extension Of Affordable Care Act Advanced Premium Tax Credits. Adair retweeted a post from Senator Roger Marshall that read: “Republicans will have a healthcare bill by December that puts the American patient first again. And we will not be sending $150 billion subsidies to insurance companies anymore.” [Patti Jean Adair, Twitter, 11/10/25]

Image: see original report, p. 15

[Patti Jean Adair, Twitter, 11/10/25]

January 2026: Affordable Care Act Advanced Premium Tax Credits Expired After Republicans Failed To Extend Them In The One Big Beautiful Bill

January 2026: Affordable Care Act Enhanced Premium Tax Credits Expired. “The Affordable Care Act (ACA) enhanced premium tax credits expired on January 1st, 2026, causing premium payments to increase significantly for many Americans enrolled in ACA exchange plans. The Congressional Budget Office (CBO) projected that a permanent extension of the enhanced tax credits would increase the number of people with health insurance by 3.8 million in 2035. Without the extension, the CBO anticipated insurers on the individual market would raise rates with the expectation that some healthier people would drop coverage rather than pay a significantly higher monthly amount. The total number of people who have enrolled in the ACA Marketplaces and paid for at minimum one month of coverage won’t be available until the summer of 2026.” [Peterson-KFF Health System Tracker, 1/14/26]

July 2025: The One Big Beautiful Bill Failed To 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]

Insurers That Participated In The ACA Marketplaces Raised Premiums In Response To The Expiration Of Advanced Premium Tax Credits, Driving Up Health Care Costs By Nearly 300% For Some Households In OR-05

Peterson-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.” [Peterson-KFF Health System Tracker, 8/6/25]

• The Majority Of Insurers Assumed Enhanced Tax Credits Would Expire At The End Of 2025, Which Caused Them To Raise Their Rates By An Average Of 4%. “Uncertainty over federal policy changes has forced insurers to make some assumptions when developing their rates for 2026. Commonly mentioned by insurers is the impact of the expiration of enhanced premium tax credits, which are scheduled to sunset at the end of 2025, unless extended by Congress. The majority of insurers have assumed that enhanced tax credits will expire at the end of this year, driving rates an average of 4 percentage points higher than they otherwise would be. These increased rates are due to insurers anticipating that some healthier members will leave the ACA Marketplaces when their subsidies decrease, creating an enrollee base that is less healthy and more expensive on average.” [Health System Tracker, 8/6/25]

2026: KFF: Without Affordable Care Act Advanced Premium Tax Credits, A 60-Year Old Couple Making $85,000 In OR-05 Saw Their Monthly Premiums Rise By 293%, Or $1,767. [KFF, 10/9/25]

[KFF, 10/9/25]