The expiration of enhanced Affordable Care Act (ACA) subsidies at the end of 2025 has created what experts are calling the “ACA cliff,” a sharp cutoff of premium tax credits to people earning over 400% of the federal poverty level (FPL). ACA reduced the cost of private health insurance for low- and middle-income earners in 2021 and it was extended through 2025. But now since its subsidies came to an end, millions of American households are now bracing for higher premiums, tougher coverage decisions, and ...