We will show what we know and where it came from.
Enhanced credits lapsed on January 1, 2026. 20 million people saw premium increases the next billing cycle — many without warning.
Why this matters
Enhanced premium tax credits that helped 20 million people afford health insurance expired January 1, 2026. Average marketplace premiums have jumped hundreds of dollars per month overnight. Gig workers, small business owners, early retirees, and people between jobs are hardest hit.
What’s at stake
If credits restored
If nothing changes
What to say
“Hi, my name is [YOUR NAME] and I'm calling from [ZIP CODE]. I'm calling about ACA marketplace premium spikes since the enhanced tax credits expired on January 1st.”
I want the enhanced premium credits restored...
“20 million people lost affordable coverage overnight. Congress should pass a standalone bill to fix this.”
I want a permanent solution...
“Stop the annual uncertainty. Make the enhanced credits permanent so people can plan.”
I know someone personally affected...
“My constituent is facing a significant monthly increase they cannot afford. This is a real crisis for real families.”
“Is the Senator working on restoring ACA premium tax credits? Thank you.”
Common questions
My monthly premium jumped — what happened?
Enhanced premium tax credits that reduced your monthly cost expired January 1, 2026. The reconciliation bill didn't extend them. Your insurer is now charging the unsubsidized rate.
I'm self-employed — how does this affect me?
Self-employed people rely on the ACA marketplace heavily. Your premium increase is real and likely significant. A restoration bill would help immediately.
Can I still enroll in coverage?
The special enrollment period may be available in your state if you had a qualifying life event. Check healthcare.gov or your state's marketplace.
Make the call.
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