How CSRA Residents May Face Health Insurance Cost Changes as ACA Tax Credits End Post-COVID

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Changes in Health Insurance Costs for ACA Enrollees

As the new year begins, many individuals who obtain their health insurance through the federal marketplace may soon experience changes in their monthly payments. These changes are linked to the expiration of enhanced tax credits under the Affordable Care Act (ACA). These credits were expanded during the COVID-19 pandemic as part of the American Rescue Plan Act (ARPA) in 2021.

Health care leaders in the CSRA (Columbia, Sumter, and Aiken regions) warn that this change could lead to higher monthly premiums for some enrollees. According to doctors, more than one million people in Georgia receive coverage through the ACA. Across the country, including the CSRA, individuals have been paying around $70 a month for coverage—a figure that could double for some households as the expanded subsidies phase out.

Will Jackson, CEO of Christ Community Health, highlights the impact of these rising costs on families. He describes the financial burden as an "invisible cost" that many people quietly carry.

“That’s the invisible cost that people are quietly carrying around,” Jackson said. “Now people are trying to figure out, before I have a bill or an expense, how do I afford the premium that gives me access to the coverage I need?”

State Representative Mark Newton of Augusta notes that most people on the ACA will still qualify for tax credits, but not at the expanded levels seen in recent years.

“Most of those are going to continue getting a subsidy like they did from 2014 up to 2021,” Newton explained. “What’s ending are the excess subsidies that were temporarily lifted during the pandemic.”

Newton, who also serves as CEO of MedNow Urgent Care, emphasizes that the changes are tied to H.R. 1 One Big Beautiful Bill Act, which passed in July 2025. Both Newton and Jackson stress the importance of keeping health care discussions focused on patient access rather than politics.

“What the Affordable Care Act does is help protect my right to maintain my health so I can remain a productive citizen and contribute to society,” Jackson said.

Future Plans and Focus on Access

Looking ahead, Newton plans to continue working during the legislative session on policies aimed at lowering prescription drug prices and supporting independent pharmacies. He also wants to ensure that individuals have the tools to afford healthcare even if costs rise.

“We want those pharmacies to remain that first line of defense for people who may not want to go straight to a doctor, urgent care, or the emergency room,” Newton said.

These health care leaders in the CSRA emphasize their commitment to helping patients navigate coverage changes and understand their options as costs and policies evolve. They encourage individuals to review their plans carefully and consult local health care providers or marketplace resources.

Key Points to Consider

• The expiration of enhanced tax credits under the ACA could lead to higher monthly premiums for some individuals.
• More than one million people in Georgia receive coverage through the ACA, with many paying around $70 a month for coverage.
• While most people will still qualify for tax credits, the expanded levels offered during the pandemic will no longer be available.
• Health care leaders stress the importance of focusing on patient access and the role of the ACA in protecting health and productivity.
• Future efforts include lowering prescription drug prices and supporting independent pharmacies as a first line of defense for healthcare needs.

These developments underscore the need for continued awareness and engagement with health insurance options. As the landscape of healthcare evolves, staying informed and seeking guidance from local providers will be essential for navigating these changes effectively.