Obamacare premiums are poised to jump next year, driven by expiring federal subsidies and the highest proposed rate hikes since 2018, setting up a pocketbook shock for millions of marketplace enrollees, unless Congress intervenes. The core driver is the scheduled sunset of enhanced premium tax credits at year-end, which could lift out-of-pocket bills by roughly 75%, on average, for subsidized customers on top of insurers’ underlying rate increases for 2026, according to analyses cited by both The New York Times and Fortune.
