West Virginians, which take out insurance via the health insurance market, will escalate their premiums by an average of 133% or $ 1,400 per year if the tax credits take place at the end of the year. (Getty Images)
Tax credits that have made health insurance affordable for millions of Americans will take place at the end of the year, and West Virginia will feel the effects more than most states, an expert in health policy said.
The “a big beautiful bill”, which President Donald Trump signed in the law last month, has not extended it The bidue era improved premium tax credits For people who buy their health insurance at buying Health insurance market Although the Affordable Care Act. If the congress does not change this, the 67,000 West Virgins who buy health care on the market will pay more from 2026.
“We assume that everyone on the market will have an increase in the price of their cover,” said Rhonda Rogomb, Analyst for Health and Security Network for the West Virginia Center for Household and Politics.
The Center for Budget and Politics said that West Virginians, who take out insurance through the market, will escalate their premiums by an average of 133% or $ 1,400 per year. According to CBP, around 15,000 West virginians will lose health care as a whole because they can no longer afford it.
The extended tax credits that are income -related were part of the American Rescue Act from 2021 and 2025 in the law to reduce 2022.
The average monthly premium for covering on the marketplace is $ 1,170 per person in West Virginia. Healthhinsurance.org.
“West Virginia will probably be the hardest hit all over the country just because the premiums in West Virginia are higher,” said Norris. “… before you apply subsidies, West Virginia has the highest in the country.”
Households that earn more than 400% of the federal military level – $ 128,600 per year for a family of four – will lose your healthcare subsidies as a whole. In West Virginia, almost 10% of families who buy their health care on the market fall into this category, said Norris.
“You could be exposed to very unaffordable premiums next year with a full award winner, which is particularly difficult in a state like West Virginia in which the premiums are so high,” she said.
Those who earn less than 128,600 US dollars for a family of four will still receive a subsidy, but it won’t be that huge, said Norris.
According to estimates of the not partisan Congress budget office, The outletes of tax credits lead to 4.2 million people who will lose their health insurance coverage by 2034.
Norris and Rogombe found that the congress could continue to extend the subsidies before the end of the year.
The congress is expected to return to the session in September after a break this month. The open enrollment for the plans for health insurance begins on November 1st.
Some Republican Congress members, including Senator Tommy Tuberville from Alabama, Sens. Lisa Murkowski from Alaska And Thom Tillis By North Carolina, Said they would support the extension of the tax credits.
The entire four -member Republican congress delegation in West Virginia voted in tuned congress delegation Support of the one huge nice Bill Act. When asked by West Virginia Watch, none of them answered whether they would support the extension of the tax credits.
Sen. Shelley Moore Capito, R.Va., Politico told last month The “[addressing the tax credits] Is “Coming, but in Senatorial times we have time to deal with it.”
The Ellen Allen living in Kanawha County is the director of West Virginians for affordable health care. As a customer of the health insurance market, everyone personally believes that the effects of the tax credits would fail.
This year, all about 500 US dollars per month pays for their cover and a subsidy of the federal government pays the rest of the premium -about $ 1,400, she said.
Allen expects their subsidies to be completely eliminated from next year. Although the exact premiums have not yet been announced for the next year, it expects to pay 2,700 US dollars per month for health insurance.
At 64, everyone has another year until Medicare has health insurance for health insurance. Everyone said she would put money away to pay the cover before she is entitled to Medicare, but she is aware that others may not be able.
“Mine is so high because I am so old and household income is much higher than the median,” said Allen. “But even in the median, what you will see will be yours on your own pocket, which makes insurance difficult for people. There are many studies that show when costs rise and the insurance sinks.”
Mariah, coordinator for the commitment, public relations and the collection of Story Collection at West Virginians for affordable health care, expects her subsidy from 611 USD per month to drop to $ 474 and it will be removed with around $ 150 to $ 200 per month for payment. For their health costs, $ 150 per month is medication that the insurance does not cover.
“So, at the end of the day, everything said just because I take a insurance and a medication every month, I will pay $ 350 before I pay an apade for a doctor’s appointment or see a dentist or my month, my annual dad or something similar,” she said. This should only exist and be insured. “
Planted said that the cuts against Medicaid and the Affordable Care Act in the great attractive bill were confusing. It is complex for people to understand how they will all influence, she said.
“Even people who receive the extended premium tax credit may not know that they will get them or not understand how much they contribute to their health care,” said Planted. “And you will not understand until you see that these costs rise in real time. I think it is probably a targeted thing.
“It is so complicated to understand and explain, because that makes it more difficult to educate people and fight themselves against him,” she said.
In addition to the changes that can come to the provisions of the Affordable Care Act $ 186 billion and avoid Medicaid editions through 326 billion US dollars over 10 years.
Overall, the changes in the legislation will mean that West Virginia will lose federal funds of around 1 billion US dollars every year, and the work requirements for Medicaid will probably lead to between 50,000 and 110,000 West Virginians to lose their health care, said Rogomb.
“These provisions will not come into force for at least a year, and so we will not see the effects until we will see the effects by 2027,” she said.
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