Whether the data posted since January 20, 2025 is accurate or not, I can't say for certain, but at least they're updating it...and so far, at least, I don't see anything in their monthly reports which is setting off any obvious red flags.
In any event, according to the latest report, as of April 2025:
It was in early 2021 that Congressional Democrats passed & President Biden signed the American Rescue Plan Act (ARPA), which among other things dramatically expanded & enhanced the original premium subsidy formula of the Affordable Care Act, finally bringing the financial aid sliding income scale up to the level it should have been in the first place over a decade earlier.
In addition to beefing up the subsidies along the entire 100 - 400% Federal Poverty Level (FPL) income scale, the ARPA also eliminated the much-maligned "Subsidy Cliff" at 400% FPL, wherein a household earning even $1 more than that had all premium subsidies cut off immediately, requiring middle-class families to pay full price for individual market health insurance policies.
Here's what the original ACA premium subsidy formula looked like compared to the current, enhanced subsidy formula:
Public comment at Washington Health Benefit Exchange Board includes 10 testimonials, plus additional stories
OLYMPIA, Wash. – Washingtonians shared stories of how access to more affordable health insurance has affected lives and communities all across the state, with Washington Health Benefit Exchange (Exchange) Board last week. The testimonials were particularly impactful in light of a myriad of recent federal changes to state-based marketplaces such as the Exchange, and the impending potential expiration of enhanced premium tax credits (ePTC) before Congress.
SACRAMENTO, Calif. — Due to recent rule changes made by the federal government, Covered California enrollees who are part of the Deferred Action for Childhood Arrivals (DACA) program will have their Affordable Care Act health insurance terminated on Aug. 31, 2025. The federal rule will affect more than 2,300 DACA recipients in California.
It was in early 2021 that Congressional Democrats passed & President Biden signed the American Rescue Plan Act (ARPA), which among other things dramatically expanded & enhanced the original premium subsidy formula of the Affordable Care Act, finally bringing the financial aid sliding income scale up to the level it should have been in the first place over a decade earlier.
In addition to beefing up the subsidies along the entire 100 - 400% Federal Poverty Level (FPL) income scale, the ARPA also eliminated the much-maligned "Subsidy Cliff" at 400% FPL, wherein a household earning even $1 more than that had all premium subsidies cut off immediately, requiring middle-class families to pay full price for individual market health insurance policies.
Here's what the original ACA premium subsidy formula looked like compared to the current, enhanced subsidy formula:
More congressional Republicans are saying they could support a limited extension of enhanced Affordable Care Act subsidies — but only as part of a wider deal and with possible new limits to the assistance.
Why it matters: Democrats are pushing for a clean extension, but the more realistic path, if there's one at all, is a short-term extension that includes conservative health policies.
What they're saying: "How many clean extensions have you seen of late?" said Sen. Thom Tillis, who began pushing for a subsidy extension in the spring. He added that he didn't know what the contours of a deal could look like.
...Changes that could make an extension more palatable for Republicans include limiting the subsidies for higher-income enrollees or requiring that all enrollees pay at least some cost-sharing or premiums.
Now that I've finally completed overhauling & updating my House District Healthcare Enrollment Pie Chart project with the latest data, I wanted to address a rather frustrating elephant in the room.
For most of the healthcare programs involved, the enrollment data is now reasonably up to date:
Last winter, I initiated an ambitious project in which I generated graphics to illustrate just how much net ACA premiums are likely to increase starting on January 1st, 2026 (slightly over 5 months from today) assuming the enhanced premium subsidies provided by the Inflation Reduction Act over the past several years are allowed to expire.
This project took several months to complete, as I had to generate both tables and bar graphs for all 50 states (+DC), using 4 different households at multiple income brackets for each. All told, that's over 1,600 different examples.
I made sure to include various caveats for these projections. For instance, each of these examples assumes...
Plan year 2026 health and dental insurance rate filings, as proposed, are available for the companies listed below. These filings are subject to actuarial review. Additional companies will be listed as their filings are received. Any insurance filings already approved are available to the public through the NAIC’s System for Electronic Rate and Form Filing (SERFF) interface. There is no fee for using SERFF. Rate info can also be accessed at the Rate Review page at Healthcare.gov
AmeriHealth Caritas VIP Next, Inc:
Company Legal Name AmeriHealth Caritas VIP Next, Inc.
Market for which proposed rates apply (Individual or Small Group) Individual
Total proposed rate change (increase/decrease) 46.20% increase
Effective date of proposed rate change January 1, 2026
