Public Agenda: When Health Care Becomes A Monthly Fear: What Happens If ACA Credits Expire On December 31 2025 by Dr Shellie Bowman Sr.

For millions of Americans, health insurance is not a political abstraction. It is a quiet calculation made every month at the kitchen table. Rent. Utilities. Food. Medication. Insurance.

As the calendar moves toward December 31, 2025, a pressing question is surfacing in households across the country: What happens if the Affordable Care Act health care credits expire? For families already living close to the margin, this is not a debate about policy design. It is a question about survival, dignity, and whether staying insured will remain possible at all.

Unless Congress acts, the enhanced Affordable Care Act Premium Tax Credits that have lowered monthly premiums for Marketplace enrollees since 2021 are scheduled to sunset at the end of 2025. While the Affordable Care Act itself remains law, the enhanced assistance that made coverage significantly more affordable for working families would revert to pre-2021 rules (Congressional Research Service [CRS], 2025; Internal Revenue Service [IRS], n.d.).

The consequences of that shift are not theoretical. They are measurable, predictable, and deeply personal.

If you want to read the rest of the article go to read the article and look the archives of the previous articles Dr Shellie Bowman has written for The Public Agenda.  https://open.substack.com/pub/drshellieb/p/when-health-care-becomes-a-m…

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