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A ticking clock: How states are preparing for a last-minute Obamacare deal

States face premium hikes up to 102% as federal subsidies for 24 million ACA enrollees expire amid stalled congressional negotiations.

  • Insurers filed two sets of rates, and the enhanced federal subsidies enacted in 2021 will expire later this year, threatening open enrollment stability, as Congress remains deadlocked.
  • A partisan impasse in U.S. Congress has caused the Oct. 1 federal government shutdown over continuing subsidies for roughly 24 million people, while Republicans insist Democrats reopen the government before negotiating ACA costs.
  • State notices reveal a Virginia Beach household's deductible will jump from $800 to $20,000, highlighting extreme out-of-pocket shifts, as one middle-income family faces premiums rising from $916 to $1,427.
  • If Congress waits until Dec. 31 it would be too late for Idaho's roughly 135,000 enrollees, and state exchange officials warn deals after mid-December could miss enrollment deadlines.
  • State exchanges say they are ready to pivot, with Idaho prepared to revamp its website and Maryland's exchange planning staff updates, but reprogramming could take about a week.
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A ticking clock: How states are preparing for a last-minute Obamacare deal

One family in Virginia Beach, Virginia, just found out their health plan's deductible will jump from $800 to $20,000 next year.

·United States
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kffhealthnews.org broke the news in on Tuesday, October 28, 2025.
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