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September 15, 2026
by: Heather Smith

Premium tax credits set to expire, Marketplace insurance costs skyrocket

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Information, resources, and tips for anyone with health insurance coverage through the ACA Marketplace

Premium tax credits — which helped thousands of Ohioans afford health insurance through the ACA Marketplace — will expire at the end of the year without action from Congress. Ohio families are already feeling the impacts.

This webinar was recorded on December 11, 2025.

Key dates for anyone with ACA Marketplace coverage

  • As Soon as Possible: Update your contact information with the Marketplace and your insurer.
  • December 15: Select a plan or opt out of auto re-enrollment by December 15.
  • December 31: Consider canceling auto pay by December 31 to avoid unexpected premium charges.
  • December 31: Cancel coverage by December 31 if you are auto re-enrolled into a plan you don’t want, to avoid being charged a January premium.
  • January 15: Return to the Marketplace by January 15 to see if premiums have changed, in case the PTC enhancements are extended after open enrollment begins.

Other resources

Protect Our Care: https://www.protectourcare.org/

Protect Our Care’s Hospital Crisis Watch: https://www.protectourcare.org/hospital-crisis-watch/

Share your story with Protect Our Care Ohio: hello@protectourcare.org

Get Covered Ohio: https://getcoveredohio.org/

Community Catalyst petition to make Marketplace Enhanced Premium Tax Credits permanent https://act.communitycatalyst.org/a/extend-eptcs

Policy Matters Report: Fallout from federal budget cuts will last years

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