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Saturday, Oct. 18, 2025

Will insurance premiums increase in Nevada if Obamacare tax credits expire?

Kate Reynolds, The Nevada Independent
yes

Monthly premiums for Nevadans purchasing health insurance through the state’s Affordable Care Act (ACA) marketplace will increase by $76 on average if enhanced tax credits expire, state data shows.

The enhanced credits, a pandemic-era effort under President Joe Biden, increased existing subsidies and expanded eligibility to those whose income exceeds 400% of federal poverty levels (around $130,000 annually for a family of four).

While the enhanced subsidies expire Jan. 1, 2026, the ACA’s original subsidies will remain.

In 2025, 87% of the 110,000 Nevadans enrolled through Nevada Health Link received enhanced subsidies. 

The vast majority of Nevada’s enrollees also receive original subsidies. 

Six percent of enrollees receive the enhanced subsidies only. Those consumers will see their monthly premiums increase by $267 on average. 

The federal government shut down Oct. 1 after Democrats refused to fund the federal government without extending the enhanced subsidies.

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The Nevada Independent is a nonpartisan, nonprofit news and opinion website founded in 2017 by veteran political journalist and commentator Jon Ralston. The site and its supporting channels are focused on ethical, unbiased and transparent journalism. In general, we aim to gather and disseminate important public information and increase civic engagement. We are supported by corporate donations, memberships, event ticket sales and sponsorships and foundation grants. We disclose all our members and donors. Donors have no influence over our content, ever. The Nevada Independent is the dba for Nevada News Bureau, Inc., a 501(c)3 nonprofit founded in 2010 by Elizabeth Thompson, who now serves as one of The Nevada Independent's managing directors and its Editor.

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