Congress Deadlock Poses Health Care Dilemma Amid ACA Subsidy Expiry

Mon Oct 20 2025 18:34:19 GMT+0300 (Eastern European Summer Time)

As Congress remains gridlocked over the future of healthcare funding, millions of Americans face skyrocketing premiums without the necessary subsidy extensions, leading to critical health and financial concerns.

Celia Monreal's family is among the millions at risk as the Affordable Care Act tax credits are set to expire, potentially doubling health insurance costs. With ongoing congressional negotiations showing no signs of progress, families like hers may have to make impossible healthcare choices. With open enrollment just around the corner, uncertainty looms over health coverage affordability, threatening many with increased medical costs and diminished access to healthcare.

TYLER, Texas (AP) — Celia Monreal worries daily about the potential sky-high healthcare costs resulting from the failure to extend the Affordable Care Act (ACA) tax credits that have provided crucial assistance to her family. Monreal and her husband Jorge rely on the ACA marketplace for health coverage; without the extensions, their current plan could become unaffordable.

Monreal stated, “It worries me sometimes, because if you’re not healthy, then you’re not here for your kids. It’s a difficult decision — do I spend $500 on a doctor’s visit or buy groceries?”

With the current renewal time for ACA health insurance concluding at the end of the month, many families are left unsure about their next steps as Congress battles over budget negotiations. This deadlock has significant implications for those enrolled in health insurance through the ACA.

The enhanced premium tax credits set to expire this year have helped millions of Americans afford their medical care over the past four years. If not extended, beneficiaries could face a potential average of 114% increase in annual premiums, according to a KFF analysis.

As the deadline approaches and open enrollment begins on November 1st, Monreal’s family finds themselves in a precarious position. Other enrollees like Erin Jackson-Hill and Stan Clawson express similar fears about affording coverage and managing their health conditions. Jackson-Hill states she may bypass health insurance altogether if subsidies are withdrawn, while Clawson considers drastic financial adjustments to maintain his health coverage.

Health experts warn that if Congress fails to extend the tax credits, many will opt out of coverage, leading to a higher percentage of uninsured individuals. This change could worsen healthcare access across various communities, which already face challenging health issues.

Monreal waits anxiously, uncertain of how her family will manage if no insurance options become available to them ahead of the new year. “They haven’t told us nothing,” she lamented, highlighting the growing worry among many in similar situations.