Unless Congress intervenes, premiums for Affordable Care Act (ACA) Marketplace health insurance will jump to their highest levels in years. Monthly out-of-pocket expenses for subsidized enrollees are expected to rise by an average of around 75 percent in 2026 — and that's in addition to base premium increases proposed by insurers. It's up to Congress When federal lawmakers passed a budget reconciliation law earlier this year, they didn't renew the pandemic relief enhanced premium tax credits