🚨 Critical Policy Update: Enhanced Health Insurance Tax Credits at Risk

Jan 13 2026 21:13

Robert Routt

Big changes may be coming that could directly impact the affordability of health insurance for millions of Americans.

What just happened

 

Last week, the U.S. House of Representatives passed a bill to extend the enhanced premium tax credits for three more years. While the bill is not expected to receive a Senate vote, it has created momentum for ongoing bipartisan negotiations in the Senate.

What the Senate is considering

Senate negotiators are discussing a possible compromise that may include:

  • A short-term extension of enhanced premium tax credits

  • Potential income caps or minimum premium contributions

  • A possible Special Enrollment Period or extension of Open Enrollment

Why January 30 matters

Lawmakers are targeting January 30, when federal government funding runs out, as the deadline to decide the future of these tax credits. This could be the last realistic opportunity for action.

If Congress fails to act:

  • Millions of families could see sharp premium increases

  • Over 4 million Americans may lose coverage entirely

  • Many self-employed individuals and small business owners will be hit hardest

How you can help right now

Your voice still matters. Here’s what you can do:

 

1️⃣ Call your lawmaker

Click here to find your lawmaker’s contact information .

Reach out to your U.S. Senators and Representative and urge them to support extending the enhanced premium tax credits.

 

Talking points you can use:

  • Many constituents are facing unaffordable premium increases without these tax credits.

  • This is a bipartisan issue with strong public support across party lines.

  • Share your personal story or how rising premiums affect your family, business, or clients.

  • If helpful, reference data from the Keep Americans Covered Tax Credit Calculator to show real-world premium increases in your area.

2️⃣ Send a letter

You can also sign and send a pre-written letter urging your Senators and Representatives to support extending these tax credits before the January 30 deadline.

What’s next

No matter what happens in Washington, I’m closely monitoring these developments and will help my clients navigate any changes that affect their health coverage and costs.

If you have questions about how this could impact your plan or your premiums, don’t wait.

 

📞 Call or text me at (727) 513-8338
I’m here to help you understand your options and stay protected.