KFF’s ACA Enhanced Premium Tax Credit Calculator

A new analysis from KFF highlights the potential public health impact if enhanced Affordable Care Act (ACA) premium tax credits expire at the end of 2025. These credits currently reduce out-of-pocket premiums for over 24 million Marketplace enrollees, many with middle- and lower-income households.

Without the enhanced credits, average annual premiums could more than double, increasing from $888 to $1,904, with some middle- and higher-income families facing drastic cost hikes. Rising premiums risk reducing access to essential health coverage, potentially worsening health disparities. KFF’s ACA Enhanced Premium Tax Credit Calculator, updated for 2026, allows users to see how much more individuals would pay without the enhanced credits.