10/10/2025
Thanks to enhanced ACA tax credits, many Americans currently pay a manageable share of their income for healthcare—sometimes even less than those with employer insurance. For example, someone earning about $28,000 a year pays roughly 1% of their income for a solid ACA plan.
But these tax credits are set to expire soon, which could cause ACA premiums to more than double overnight. That same person might then pay around 6% of their income—over $1,700 a year. Middle-income families could face premiums taking up 10% to 20% of their take-home pay.
Right now, the average American household spends 11–12% of its income on healthcare when you include premiums, copays, and out-of-pocket costs. Without ACA subsidies, many Marketplace users could end up paying more than this average.
These tax credits have made healthcare more accessible and helped hospitals reduce uncompensated care. Losing them risks pushing millions back into the uninsured pool and increasing financial pressure on hospitals already operating with tight margins.
At RCA, we’re committed to helping both patients and hospitals navigate these challenges—connecting people to coverage and assistance while supporting the financial health of the systems that serve them.
https://www.resource-corp.com/when-health-coverage-gets-real-how-much-are-we-really-paying/