True or False: If enhanced ACA subsidies expire, marketplace enrollees will face an average 114% premium increase starting January 2026.

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True. Kaiser Family Foundation analysis shows marketplace enrollees face an average 114% premium increase if enhanced subsidies expire Dec. 31, 2025. A typical benchmark plan that costs $110/month with enhanced subsidies would jump to $235/month without them. The American Rescue Plan in 2021 and Inflation Reduction Act in 2022 temporarily increased subsidies, capping premiums at 8.5% of income for people earning over 400% of federal poverty level. Without these caps, premiums return to pre-2021 levels, which many middle-class families can't afford. The 22 million affected enrollees include self-employed workers, early retirees before Medicare eligibility, and people whose employers don't offer insurance.

True or False: If enhanced ACA subsidies expire, marketplace enrollees will face an average 114% premium increase starting January 2026.

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