Where ACA premiums have risen most for older adults following expiration of enhanced subsidies

ACA premiums for older adults have surged nationwide following the expiration of enhanced premium tax credits at the end of 2025, with increases varying dramatically by state, according to a Feb. 26 KFF analysis.

The report examined how the loss of the enhanced subsidies affects 60-year-old enrollees earning just above 400% of the federal poverty level, or roughly $62,757 annually. That population is hit hardest because they no longer qualify for any federal premium assistance and they face unsubsidized costs up to three times higher than younger enrollees.

In 46 states and Washington, D.C., benchmark silver plan premium payments at least doubled for the population. In 19 states, they at least tripled and now make up more than a quarter of their annual income.

Where premiums have risen the most:

1. Wyoming
   Percentage increase: 421%
   Average monthly silver plan premium: $2,315
   Monthly enhanced tax credit lost: $1,871
   
   
2. West Virginia
   Increase: 413%
   Average premium: $2,278
   Enhanced tax credit lost: $1,834
   
   
3. Connecticut
   Increase: 316%
   Average premium: $1,847
   Enhanced tax credit lost: $1,403
   
   
4. Alaska
   Increase: 295%
   Average premium: $2,192
   Enhanced tax credit lost: $1,636
   
   
5. Arkansas
   Increase: 270%
   Average premium: $1,643
   Enhanced tax credit lost: $1,199
   
   
6. Tennessee
   Increase: 240%
   Average premium: $1,510
   Enhanced tax credit lost: $1,065
   
   
7. Maine
   Increase: 239%
   Average premium: $1,506
   Enhanced tax credit lost: $1,061
   
   
8. Nebraska
   Increase: 239%
   Average premium: $1,508
   Enhanced tax credit lost: $1,064
   
   
9. Montana
   Increase: 231%
   Average premium: $1,469
   Enhanced tax credit lost: $1,025
   
   
10. Delaware
    Increase: 230%
    Average premium: $1,467
    Enhanced tax credit lost: $1,023
    

Where premiums have risen the least:

42. Nevada
    Increase: 138%
    Average premium: $1,056
    Enhanced tax credit lost: $611
    
    
43. Idaho
    Increase: 134%
    Average premium: $1,040
    Enhanced tax credit lost: $596
    
    
44. Indiana
    Increase: 126%
    Average premium: $1,006
    Enhanced tax credit lost: $561
    
    
45. Hawaii
    Increase: 125%
    Average premium: $1,149
    Enhanced tax credit lost: $638
    
    
46. Virginia
    Increase: 117%
    Average premium: $966
    Enhanced tax credit lost: $521
    
    
47. Minnesota
    Increase: 114%
    Average premium: $952
    Enhanced tax credit lost: $507
    
    
48. Maryland
    Increase: 98%
    Average premium: $880
    Enhanced tax credit lost: $436
    
    
49. New Hampshire
    Increase: 91%
    Average premium: $851
    Enhanced tax credit lost: $406
    
    
50. Massachusetts
    Increase: 89%
    Average premium: $839
    Enhanced tax credit lost: $394
    
    
51. New York
    Increase: 84%
    Average premium: $817
    Enhanced tax credit lost: $372