We’re at a Turning Point—And Your Voice Matters More Than Ever
Right now, Congress is considering the Healthcare Affordability Act (H.R. 247 / S. 46)—a crucial piece of legislation that would permanently extend the enhanced ACA premium tax credits. These credits, which have helped millions of Americans afford health coverage since 2021, are set to expire at the end of 2025.
Without this bill, the consequences will be immediate and devastating—for your clients, your business, and the stability of the entire individual health insurance market.
If these enhanced credits disappear:
- Premiums will skyrocket for millions.
- Many people will lose coverage altogether.
- Clients you’ve helped find affordable plans could be priced out overnight.
- Your ability to serve them—and stay competitive—will be seriously impacted.
The Healthcare Affordability Act strengthens affordability by:
- Ensuring $0 premiums for households earning up to 150% of the federal poverty level
- Preserving the sliding scale subsidies for those earning 150%–400% of the federal poverty level
- Eliminating the “subsidy cliff” by extending credits to higher-income earners, capping premiums at 8.5% of income
These improvements have already expanded affordable coverage to more than 20 million Americans. Rolling them back would mean higher uninsured rates, interrupted care, and a destabilized marketplace that affects everyone in our industry.
As professionals in health benefits, you understand better than anyone what’s at stake. Now, we need lawmakers to hear from you.
👉 Take a moment to contact your representatives and urge them to support the Healthcare Affordability Act. Your voice can help protect coverage, stabilize the market, and ensure your clients continue to access the care they depend on.
The window for action is closing. Please speak out today.
Thank you for standing up—for your clients, your profession, and the future of healthcare in America.
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