Industry & Advocacy News
December 22, 2025
If Congress allows enhanced subsidies to expire at the end of 2025, writers, many of whom are self-employed or small business owners, purchasing health insurance through the Affordable Care Act (ACA) marketplace will see premiums increase in 2026.
Here’s how the changes break down by income level*:
* Actual premiums vary by state, insurer, and plan; these figures are national averages based on KFF modeling for a 40-year-old nonsmoker buying a benchmark silver plan.
For writers age 60+, the increases are even steeper: A 60-year-old earning $64,000 will pay $1,326/month for a silver plan, up from $453.
About 10 million adults covered under ACA marketplaces are small-business owners, self-employed, or employees of small businesses, categories that describe much of the writing profession. Unlike employees at large companies, writers typically can’t access employer-sponsored health coverage and depend on marketplace insurance to stay covered.
Contact your members of Congress and let them know where you stand on extending the enhanced ACA subsidies. Your voice matters, especially as a writer who depends on marketplace coverage to continue your work.
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