《平价医疗法案》补贴到期 大量美国人医保费将上涨

Core Viewpoint - The expiration of enhanced subsidies under the Affordable Care Act (ACA) at the end of 2025 is expected to lead to increased healthcare costs for over 20 million Americans starting in 2026, with significant premium hikes anticipated for those affected [1]. Group 1: Subsidy Expiration Impact - Over 20 million ACA enrollees will face higher healthcare expenses due to the expiration of enhanced subsidies, with an average premium increase of approximately 114% [1]. - Individuals who do not receive insurance through employers and do not qualify for Medicaid or Medicare will be primarily affected, including self-employed individuals, small business owners, farmers, and ranchers [1]. Group 2: Legislative Context - There has been ongoing contention between the Democratic and Republican parties regarding the extension of these subsidies, with no consensus reached before the expiration date [1]. - The House of Representatives is expected to vote on related proposals in January [1]. Group 3: Historical Context of Subsidies - The enhanced subsidies were initially introduced in 2021 as a temporary relief measure during the pandemic and were later extended by the Democratic Party until early 2026 [1]. - The subsidies allowed some low-income individuals to enroll with "zero premium," while high-income enrollees faced a premium cap of 8.5% of their income, with expanded coverage for middle-income families [1].