REGION – Health insurance subsidies are set to expire at the end of this year across the nation, under terms passed in the Trump administration’s “One Big Beautiful Bill.” 

New York’s health insurance program is one of the more robust ones in the country, offering low-cost or no-cost insurance plans to low-income residents through the marketplace. 

But beginning next year, costs for those plans are expected to double, triple or even quadruple for individuals and families.

According to a county-by-county breakdown presented by Sen. Kirsten Gillibrand of expected premium increases for the cheapest Affordable Care Act (ACA) plans, a single individual in Sullivan County making $65,000 would see a 111.58 percent increase. 

A family of four making $130,000 in Sullivan County would see a 60.73 percent increase.

Ahead of a vote that was expected to take place yesterday to extend tax credits for three years, Gillibrand urged Republicans in the Senate to support the extension and highlighted the dire need for New Yorkers.

“Those who benefit the most from ACA tax credits are working-class individuals who are the very backbone of our economy—the families who own mom-and-pop corner stores, New Yorkers who run farms that have been in their families for generations, and the single parents who work long hours to put food on the table for their kids,” she said. “We owe it to them to extend the lifesaving tax credits that help them afford health care.”

President Trump and supporters of the One Big Beautiful Bill say the changes to health insurance will root out fraud and waste, allowing for more funds to be directed to the budget.

Rep. Josh Riley introduced a bipartisan proposal this week to extend tax credits for two years, keep open enrollment running through March 19, 2026, and strengthen fraud protections in the ACA marketplace. 

Riley and other lawmakers are urging congressional leaders to bring it to a vote by December 18.

“I’ll work with anyone in either party to fix this,” Rep. Riley said. “That’s what this proposal does. It’s a straightforward, bipartisan plan to restore affordable healthcare. I’m urging Speaker Johnson to bring it to the House floor before the December recess so families enter the new year with certainty, not fear about losing the care they depend on.”