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Updated: Why ACA Premiums May Soon Become Less Affordable and What an Expiring Tax Credit Could Mean for Georgia Families

Millions of Georgians Could Face Big Increases in Health Insurance Costs—Here’s What You Need to Know
Young people spitting at table and looking at laptop

Update – August 2025: Enhanced Affordable Care Act premium tax credits (ePTCs) still expire on December 31, 2025, unless Congress acts. In 2025, Georgia Access enrolled over 1.5 million Georgians, 93% of whom depend on these subsidies to make health coverage affordable. Without an extension, premiums in Georgia are projected to jump over 75% on average, and most 2026 insurer filings already assume the credits will lapse. A typical example: a 60-year-old couple earning about $85,000 would pay roughly $18,000 more per year if the ePTCs disappear. The premium increases resulting from the expiration of the ePTCs could cause about 340,000 more Georgians to become uninsured. In short: swift Congressional action to extend the ePTCs—ideally before rate finalization—would prevent sharp premium spikes for Georgia families and avert significant coverage losses. 

See how costs could rise in your Congressional district or use the calculator to estimate cost increases based on your income information — then contact your members of Congress today and tell them to extend the enhanced premium tax credits to keep health care affordable for Georgia families.

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Aug 14, 2025
Ossoff, health care advocates ratchet up calls to renew tax credits set to expire this year
Maya Homan

Georgia residents could see as much as a 40% increase in their health insurance premiums if Congress does not act to extend the Affordable Care Act’s enhanced premium tax credits, U.S.…

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