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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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Help Protect Health Care in Georgia — Share Your Story by August 15th!

Georgians with Medicaid or Georgia Access coverage: Your story matters.

Georgians for a Healthy Future is partnering with Families USA to amplify the voices of Georgians who rely on Medicaid and affordable health coverage. If you’ve been helped by Medicaid or the enhanced premium tax credits through Georgia Access, we invite you to share your story.

Why Your Story is Important

Right now, health care protections are at risk. With federal cuts to Medicaid on the horizon and the possible expiration of enhanced tax credits, it’s more important than ever for Georgians to speak up and make their voices heard. Your story can help policymakers understand how these programs affect real lives — and why they need to be protected.

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Will Washington Roll Back Georgia’s Coverage Gains?

What the House Budget Bill Could Mean for Georgia Access

Background

On May 22, the U.S. House passed a sweeping budget bill, known as the “One Big Beautiful Bill” Act. The budget bill proposes significant changes to the Affordable Care Act (ACA) Health Insurance Marketplace, which is known as Georgia Access in our state. Proponents say these changes will cut costs, but they would also make it harder for many Georgians to enroll in or keep their health coverage.

The Senate is now making its changes to the bill, but what those changes will look like is unclear. As currently written, projections from the non-partisan Congressional Budget Office (CBO) show the House’s changes would reduce overall Marketplace enrollment and increase the uninsured rate nationally and in Georgia. If the budget bill passes as currently written, the combination of Marketplace (including allowing the expiration of the enhanced premium tax credits) and Medicaid changes could lead to an estimated 560,000-940,000 Georgians becoming uninsured.[1] (Notably, some of the marketplace changes presently in the bill are also under consideration by the Centers for Medicare & Medicaid Services (CMS), meaning they could be authorized through federal regulation even without new legislation.)

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