KFF has released an interactive “Expiring ACA Enhanced Tax Credits & Premiums” calculator that lets users estimate how much more they might pay for health insurance if the Affordable Care Act’s enhanced premium tax credits expire at the end of 2025. 

These enhanced credits, implemented under the American Rescue Plan and extended by the Inflation Reduction Act, currently reduce average premiums by about $705 per year for enrollees. If the enhanced subsidies expire, estimates suggest that premiums could climb sharply, especially for lower‐ and middle‐income households. 

The tool asks users to enter their state, income, family size, and whether employer coverage is available. It then computes two premium scenarios — with and without the enhanced credits — using 2025 premium data and hypothetical 2026 subsidy caps. KFF notes the results are illustrative, not definitive, because actual 2026 premiums and subsidy rules are not yet finalized.

This calculator offers a clear, personalized look at how federal policy changes could affect health care affordability and may help inform public conversation and decision-making ahead of the subsidy expiration deadline.

Find out how much more your family could pay in health insurance premiums if these health care tax credits expire using this calculator.