终止了对ACA计划的联邦大流行病补贴,导致保险费大幅上涨和保险覆盖面风险。 Federal pandemic subsidies for ACA plans ended, causing major premium hikes and coverage risks.

2025年底到期的《负担得起的护理法》市场计划的联邦大流行病时期补贴,使数百万美国人,特别是高成本地区的中等收入个人,急剧增加保险费。 Federal pandemic-era subsidies for Affordable Care Act marketplace plans expired at the end of 2025, triggering sharp premium increases for millions of Americans, especially middle-income individuals in high-cost areas. 如果不延长保险期,保险费可能会增加100%以上,迫使许多人降低保险覆盖率或改用高减税计划,从而有保险不足的风险。 Without extension, premiums could rise by over 100%, pushing many to drop coverage or switch to high-deductible plans, risking underinsurance. 众议院通过了为期三年的补贴延长,但参议院正在考虑采用更短、限制性的版本,从而造成不确定性。 The House passed a three-year subsidy extension, but the Senate is considering a shorter, restricted version, creating uncertainty. 专家警告这一举动会破坏市场稳定,增加医院费用,威胁提前退休计划。 Experts warn the move undermines market stability, increases hospital costs, and threatens early retirement plans. 虽然补贴提供短期救济,但补贴并不能解决保健费用上涨的根本原因,例如合并和收费服务模式。 While subsidies provide short-term relief, they do not address underlying drivers of rising health care costs, such as consolidation and fee-for-service models.