8/21/2025

Will Marketplace Health Plan Subsidies Expire?

Enrollment in ACA marketplace plans nearly doubled from 2019 to 2021—largely due to enhanced federal subsidies. But those subsidies are set to end in December 2025.

What this could mean:

• Millions may lose coverage as premiums spike

• Healthier people may drop out, causing rates to rise for those who stay

• Employers could see higher costs as more workers move to job-based coverage or avoid ICHRAs

If you’re on a marketplace plan, now’s the time to explore other coverage options—before prices go up.
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