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Health insurance application Making rescue premium subsidies permanent and filling the Medicaid coverage gap would reduce the number of people without insurance by nearly one-quarter. (Photo: Shutterstock)

Congress continues to fine-tune the Affordable Care Act in an effort to expand coverage and hold the line on cost. Legislators are considering two reforms to the ACA as part of the fiscal year 20222 budget process.

Make the American Rescue Plan Act premium subsidies permanent. The act temporarily enhances premium tax credits in the Marketplace for 2021 and 2022. It lowers the limits on premiums paid by families who were eligible for subsidies before the legislation and expands eligibility for subsidies to individuals and families who previously were ineligible because their incomes were greater than 400% of the federal poverty line (more than $106,000 for a family of four).

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