Share Your Views with Congress on the Future of Health Care Tax Credits

The Affordable Care Act’s enhanced Premium Tax Credits (ePTCs) currently help offset the cost of marketplace health insurance for all Americans, including start-up founders and employees in the travel technology sector. 

These enhanced credits are set to expire after 2025 unless Congress acts, which could result in higher monthly premiums beginning in 2026. To ensure that innovators in the travel technology sector can share how potential changes may affect them, we have created this informational Action Center with resources to communicate directly with Congress.  

Background 

Enhanced Premium Tax Credits (ePTCs) are federal subsidies that make health insurance purchased through the ACA marketplace more affordable. Originally expanded during the COVID-19 pandemic, these enhanced subsidies are scheduled to end on January 1, 2026, returning to pre-2021 levels.

If they expire, premiums for many individuals buying their own coverage could increase substantially. Start-up founders and early employees who often do not have access to employer-sponsored health plans could see notable cost impacts.

For start-ups, these tax credits expiring would mean: 

• Higher out-of-pocket costs for founders and employees. 
• Less money left for hiring and product development. 
• A harder time competing with larger employers offering health plans. 

Members of Congress are currently negotiating on whether to extend these ePTCs.