Congress must act to lower health insurance costs for Pennsylvanians who purchase health care through Pennie.
 
Pennie is Pennsylvania’s one-stop-shop for health insurance. Nearly 500,000 Pennsylvanians—the most ever—purchased health insurance through Pennie during Open Enrollment 2025. But because of an expiring federal tax credit, Pennie customers are in for some serious sticker shock.
 
The Affordable Care Act originally provided tax credits to help individuals purchase health insurance if they weren’t offered insurance through other means, such as through their employer. These tax credits were known as Advance Premium Tax Credits (APTCs). Because of how the Affordable Care Act was written, APTCs had their limitations. For example, they were not available to individuals with incomes above 400% of the federal poverty line. This was known as the “subsidy cliff,” and it caused real harm to many working families, who were often left with the choice of going without health care or paying more than 30% of their income for health insurance.
 
Congress fixed the subsidy cliff and provided for more generous assistance through the American Rescue Plan Act and Inflation Reduction Act. These Expanded Premium Tax Credits (EPTCs) enabled many Pennsylvanians to buy health insurance through Pennie, and led to Pennie’s record-breaking Open Enrollment 2025.
 
The EPTCs are set to expire on December 31, 2025—and as a result, monthly health insurance costs for Pennie customers will, on average, double. This has real consequences for Pennsylvanians, who will be forced to choose between paying for housing, food, utilities, or health care. This concern is not hypothetical: Pennie’s enrollment data already shows that many older Pennsylvanians are dropping coverage.
 
Only Congress can stop the bleed and keep people covered by extending the EPTCs. Please join me in supporting a resolution that urges Congress to do just that.