According to KFF data and projections, a family of three earning $110,000 annually enrolled in a silver ACA plan could see their monthly premium costs rise from about $779 in 2023 to approximately $1,446 in 2026 when enhanced subsidies expire, with potential further increases if insurers raise premiums by 15%.
Mostly True
A family of three earning $110,000 a year and enrolled in a silver ACA plan could see their monthly cost jump from $779 this year to $1,446 in 2026 when the subsidies expire, according to KFF. If insurers raise premiums by 15%, the monthly bill could climb even higher, to $1,662.
FactVerify
Source: factverify.com
At a glance
Verified July 18, 2025Key Evidence
KFF's interactive subsidy calculator and analyses show that families earning around $110,000 would face substantial premium increases when enhanced ACA subsidies expire at the end of 2025, with monthly premiums rising from approximately $779 to about $1,446. Additional insurer premium hikes of 15% would push costs even higher, consistent with the claim.
kff.orgkff.orgHow Much More Would People Pay in Premiums if the ACA's Enhanced Subsidies...
The reporting
What the Evidence Shows
The claim breaks down into several components: the current monthly premium cost for a family of three earning $110,000 on a silver ACA plan, the projected increase in premiums after the expiration of enhanced subsidies in 2026, and the additional impact of a hypothetical 15% premium increase by insurers. KFF's interactive subsidy calculator and related analyses provide estimates consistent with these figures, showing that families at this income level would lose enhanced subsidies after 2025, leading to significant premium increases.
The figure of $779 as the current monthly cost aligns with typical silver plan premiums net of subsidies for this income bracket. The projected jump to around $1,446 monthly after subsidy expiration is supported by KFF's modeling of premium costs without enhanced subsidies.
Furthermore, applying a 15% increase on top of that would raise the monthly cost to roughly $1,662, matching the claim's assertion. While exact numbers can vary by location and plan specifics, the general magnitude and timeline are accurate according to KFF's data. The claim appropriately cites KFF as the source, which is a highly credible authority on health insurance marketplace data.
Minor variations may occur due to geographic differences or changes in insurer pricing strategies, but the overall projection is well-supported.
Primary trail
Verified Sources2
Open source