General Discussion

AdamGG

(1,702 posts) Wed May 14, 2025, 01:23 PM Yesterday

ACA Premium Subsidies

If I understand correctly from what I've read, ACA premium subsidies will end at the end of this year. Currently, I am paying $550/month with a $750 subsidy for a $1300 policy. I'm 61 and have a few years to wait before Medicare kicks in.

I plan to get more work, so my subsidy would be less then, but still this is something that's been very helpful. I know that many people have been impacted more substantially by Trump's cuts, but this one especially seems like something that will impact Trump supporters as much as everyone else and hopefully will at least help with the midterm elections.

For those of you that are in the same predicament, are you planing on taking care of medical procedures before the end of the year and possibly switching to less expensive catastrophic coverage next year? Do you think there's a chance that there might be enough votes in Congress to salvage this because of the political harm that it could do to them?

6 replies

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Highlight:

ACA Premium Subsidies (Original Post) AdamGG Yesterday OP

Premium subsidies don't end, but the enhanced premium subsidies do. W_HAMILTON Yesterday #1

Thanks, this is really clear and informative AdamGG 23 hrs ago #2

Aetna is entirely ending their ACA policies because of the reduced funding AdamGG 23 hrs ago #3

This message was self-deleted by its author BigmanPigman 21 hrs ago #4

My family is trying to cheer me up BigmanPigman 21 hrs ago #5

Given that Aetna is pulling out of the Marketplace AdamGG 18 hrs ago #6

W_HAMILTON

(8,974 posts)

1. Premium subsidies don't end, but the enhanced premium subsidies do.

Reply to AdamGG (Original post)

Wed May 14, 2025, 01:59 PM

Yesterday

Here is more information about it: https://www.commonwealthfund.org/publications/explainer/2025/feb/enhanced-premium-tax-credits-aca-health-plans

AdamGG

(1,702 posts)

2. Thanks, this is really clear and informative

Reply to W_HAMILTON (Reply #1)

Wed May 14, 2025, 02:21 PM

23 hrs ago

So, I'll be paying hundreds of dollars more per month unless I reduce my coverage. This really needs to be a strong part of the messaging for the midterms. Trump and the Republicans are taking money out of your pocket and giving it to the ultra-wealthy in tax cuts. They are charging you a sales tax on imported goods and using that money to lower the income tax that ultra-wealthy people pay.

AdamGG

(1,702 posts)

3. Aetna is entirely ending their ACA policies because of the reduced funding

Reply to AdamGG (Original post)

Wed May 14, 2025, 02:46 PM

23 hrs ago

Reading more about this, Aetna has announced that they are ending all of their ACA plans at the end of this year because they feel that it will be less profitable with the reduced subsidies.

https://www.npr.org/2025/05/04/nx-s1-5385009/aetna-to-exit-health-insurance-exchange-leaving-millions-without-coverage