The expiration of federal tax credits for Affordable Care Act plans could increase healthcare costs in Texas. With the December 15 open enrollment deadline approaching, many Texans may face higher premiums. According to KHOU, about 24 million Americans could see their premiums rise without action from Congress.
Among those affected is Maria Elena Sade, who is poised to see her healthcare premium, currently at $250 a month, jump to over $1,100 in 2026—a 340% increase, "I was flabbergasted," Sade told KHOU. "I couldn't believe the figure I saw." Similarly, Elena Vega from Houston, whose premium might increase from $530 to nearly $1,000, expressed her dismay, "We’ll have to cut expenses to pay it," she mentioned in her despair over the impending changes. The potential for premium hikes stems from 2021 expanded tax credits that are on the brink of expiring as the government shutdown threat adds to the uncertainty.
Premiums for health insurance are rising in Texas. Stephen Herbert, a Houston insurance broker, reported that one client’s plan increased from $500 to $1,400 per month. "Are people worried? Heck yeah. It’s their health insurance, it’s their budgets," Herbert said. Experts like Lynn Cowles, a certified application counselor with Every Texan, warn that hospitals could face higher costs if fewer people enroll in ACA plans, as more uninsured individuals might seek care in emergency rooms.
Texans can reduce healthcare costs by shopping for plans on HealthCare.gov, considering Bronze plans for HSA benefits, and making sure their providers are in-network, while reviewing deductibles, coinsurance, and out-of-pocket maximums. ABC13 reports that people like Yulissa Chavez, who relies on the ACA for multiple disabilities, face tough choices: "People are having to choose between food, paying rent, and their health insurance." As Congress discusses ACA tax credits, individuals like Sade and Vega may need to reassess their ability to afford healthcare before the open enrollment period ends.
