Obamacare Insurance rates to go up: one example

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4. They will be victims of the so-called subsidy cliff.

Before the enhanced subsidies went into effect in 2021, there was an income threshold above which the ACA subsidy would drop sharply from hundreds or even thousands of dollars a month to zero. So having an income just $1 over that level could cost a person thousands more per year in premiums. This was called the "subsidy cliff," and it will return in 2026 unless Congress takes action.

The hypothetical couples cited in the report have an income of $85,000, which is just above the cutoff point in 2026. So they would get no subsidy at all, and would have to pay the full premium. However, if they could lower their taxable income by just $500, they would pay over $10,000 less in premiums for the year.

Does that make sense?