The Importance of Premium Tax Credits: Affording Health Insurance Coast to Coast

Nearly 22 million Americans benefit from premium tax credits that help them afford comprehensive health coverage from the federal or state health insurance Marketplaces. These tax credits were enhanced in recent years, saving individuals and families money in insurance premiums and increasing enrollment. They are a lifeline for workers and their families, including those with serious and chronic health conditions like diabetes, heart disease, and cancer who need access to regular care to stay healthy and keep working when they don’t get insurance through their job. Since Congress has not intervened, these workers are entering the annual open enrollment period for health coverage, hit with premiums that may be double or triple what they paid last year, and with no guarantee that any tax credit relief will be available to them later. The ripple effect on families, communities, and local economies will be devastating.

Enhanced premium tax credits are having a profound impact in many areas of the country, with metrics differing state-by-state. National and some state-specific fact sheets include data and personal stories of individuals and families benefiting from premium tax credits. If you are a state advocate who does not see your state represented and would like to discuss a fact sheet, please contact partnerships@familiesusa.org and the appropriate parties will reach out.

National and State Fact Sheets

2025

Spanish Version

Our fact sheets are also available in Spanish. To learn more, please visit La importancia de los créditos fiscales para las primas: Cómo costear un seguro médico a nivel nacional.

Additional Resources

Access additional advocacy resources highlighting the importance of APTCs.