Without finding resolution on this core issue, the U.S. will likely still be embroiled in the same debate for years. December 15, 2025—the deadline for enrolling in a marketplace plan through the Affordable Care Act for 2026—came and went without an agreement on the federal subsidies that kept ACA plans more affordable for many Americans. Despite a last-ditch attempt in the House to extend ACA subsidies, with Congress adjourning for the year on December 19, it’s looking almost certain that Americans relying on ACA subsidies will face a steep increase in healthcare costs in 2026.