A Consumer-focused Analysis on Mitigating Premium Increases After the Expiration of Enhanced ACA Subsidies
The expiration of enhanced premium subsidies under the Affordable Care Act (ACA) Marketplace on December 31, 2025, will cause a significant increase in health insurance premium contributions for millions of Americans. This white paper analyzes the financial impact of this change and proposes a mitigation strategy involving switching from the benchmark Second-Lowest Cost Silver Plan (SLCSP) to the Lowest Cost Silver Plan (LCSP) to reduce premium costs. The analysis also discusses the role of market competition and regulatory collaboration in optimizing this strategy.
