At the end of the last open enrollment period, Affordable Care Act (ACA) marketplace sign-ups were at an all-time high, with over 21 million people choosing a plan. This exceeded last year’s sign-ups (which were also a record high) by 5 million. These unprecedented marketplace enrollment numbers are largely driven by COVID-era reforms that increased the generosity of premium tax credits (PTCs), making marketplace coverage more affordable for millions of Americans. However, these enhanced PTCs are time-limited. They have already been extended once and are now set to expire at the end of 2025. Read on to learn more about how these enhanced PTCs have impacted marketplace coverage and what’s at stake if Congress fails to extend them.
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