Final 2025 Open Enrollment Report: Household Income (400% FPL & up)

Finally, there's over 1.6 million exchange enrollees who earn more than 400% FPL.

While enrollees in every other income bracket will be hit hard by IRA subsidies expiring, and many of them would be seriously damaged by Silver Loading being phased out, in terms of hard dollars, it's the middle-class enrollees being kicked back off the "Subsidy Cliff" again who will see the most jaw-dropping premium hikes.

Not only would they lose eligibility to any federal financial assistance, they'd also be hit with 6 full years of medical inflation (remember, the original ARPA/IRA subsidies have been in place (retroactively in some cases) since January 2021).

It's not gonna be pretty.

Finally, there's over 900,000 enrollees whose household income is simply unknown.