The Breaking the Gridlock Act extends enhanced premium tax credits for Affordable Care Act health insurance plans through 2028. The bill continues two key provisions: increased premium assistance amounts that help reduce monthly insurance costs, and expanded eligibility that allows people earning more than 400 percent of the federal poverty level to receive subsidies. These enhancements, which were set to expire at the end of 2025, will now remain in effect for three additional years. The legislation affects millions of Americans who purchase health insurance through ACA marketplaces and will take effect starting with the 2026 tax year. The House passed this bill on January 8, 2026, and it now moves to the Senate for consideration.
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