The group most impacted would be the early retiree group. It's a very recent and informative article, linked below. Frankly, I think it's crazy that taxpayers are paying subsidies for people earning over 400% of poverty level, but these people are indeed getting subsidized due to these covid extensions. Here are bits of the article but for it to make more sense, please read it. YES, I'm in favor of these extensions expiring, especially after gaining this additional knowledge tonight.
"Early retirees such as the Galls face a bigger financial hit than most if Congress doesn’t act.
The average ACA marketplace enrollee faces a 114% increase in premium payments without the enhanced subsidies, according to KFF.
But older middle- to high-income adults who are too young to qualify for Medicare face the largest dollar increases in premium payments,
according to analyses by KFF.
They are perhaps “the most vulnerable population” when it comes to expiring subsidies, said Lynne Cotter, senior health policy research manager at KFF."
"Subsidies — also known as premium tax credits — have been available since the early days of the Affordable Care Act.
They were originally available for households with incomes between 100% and 400% of the federal poverty level. For a family of two, that equates to an annual income of $21,150 to $84,600 in 2025, according to
federal guidelines.
Initially, ACA enrollees whose income went even one dollar over the 400% income threshold weren’t eligible for premium tax credits — a point known as the “subsidy cliff.” In this case, they’d pay the full unsubsidized cost of insurance premiums on the marketplace."
"The enhanced tax credits meant families like the Galls qualified.
The couple had a modified adjusted gross income of about $123,000 in 2023 and $136,000 in 2024, mostly from pensions and some from individual retirement account withdrawals, according to their tax returns. Modified adjusted gross income is
an income measure used to calculate eligibility for premium tax credits."