Washington Health Insurance Premiums Expected to Rise Amid Federal Subsidy Expiration, Shutdown

Health insurance premiums for individuals purchasing plans through the Affordable Care Act marketplaces are set to rise sharply, with average increases of 21% in Washington state due to the expiration of enhanced federal tax credits. This expiration stems from a government shutdown triggered by a partisan standoff, where Democrats demand the extension of subsidies as a condition for reopening the government, while Republicans insist on separate negotiations afterward. The consequences of this impasse are severe, particularly for older middle-income Americans who could face premium hikes nearing 300%, and some counties in Washington anticipate premiums doubling or nearly doubling. Open enrollment began on November 1, and existing customers will be auto-renewed, but consumers are encouraged to shop around amid these uncertain conditions. Both state officials and lawmakers emphasize the complexity of implementing any last-minute changes should Congress act late, but they are committed to delivering relief quickly if the subsidies are reinstated. The ongoing shutdown has also disrupted federal services and heightened anxiety among millions who rely on ACA subsidies or Medicaid for affordable health coverage.