VIDEO: Murphy Claimed He Saw “Plenty” Of Medicaid Patients Who “Do Not Deserve To Be On Medicaid.” According to an interview Rep Greg Murphy gave on NewsNation, “MURPHY: As someone who still sees patients, I still see really a majority, seemingly, of patients on Medicaid. Most of whom, absolutely are eligible. But the fact that the Biden administration only allowed once a year, if that, to go and audit their Medicaid rolls? I see plenty of people who I know do not deserve to be on Medicaid but come in with their Medicaid card.” [NewsNation, 3/21/25] (video)
Murphy Claimed Government Intervention In Healthcare Was “Destroying It.” According to an interview Rep. Greg Murphy gave with Washington Watch with Tony Perkins, “MUPRHY: Tony, I've been in medicine for over 30 years. I've run practices with, with my surgical practice. I actually still take care of patients. I operated yesterday and took care of some patients this morning. I have seen the meteoric rise in health, in government intervention in health care, which is destroying it. This is the reason it costs so much today is because of so much government intervention.” [Washington Watch with Tony Perkins, 9/17/22] (video)
Murphy Defended Medicaid Cuts: “There Is Places We Can Pare Down This.” According to an interview Rep. Greg Murphy gave on NBC, “MURPHY: “I've taken care of Medicaid patients for 35 years. I've worked in a hospital that we have a terrible payer mix where 74% are Medicare and Medicaid and no insurance. This is challenging. We look at what's gone on with the Medicaid system and some of the taxes that states have really abused in some of these regards to gain money from the system. I look at the fraud, waste, and abuse, and I see it every time I see patients. People who are on Medicaid who honestly shouldn't they should be working and they should be having health insurance with some of their, some other company. There is places that we can pare down this. I think really slowing the growth of Medicaid is going to be critical to this entire endeavor.” [NBC: Meet the Press Now, 5/13/25] (video)
7/3/25: Murphy Voted For The Senate FY 2025 Budget Reconciliation Bill That Cut Medicaid And Other Social Programs To Offset The Bill’s Costs. In July 2025, Murphy voted for, according to Congressional Quarterly, the “motion to concur in the Senate amendment to the bill that would permanently extend nearly $4 trillion in expiring individual and business tax cuts, create several new tax breaks and fund border and immigration enforcement and air traffic control upgrades. It would cut Medicaid and other safety net programs to partly offset the cost. Among other provisions, it would raise the statutory debt ceiling by $5 trillion and appropriate more than $448 billion in mandatory funding for Trump administration priorities and other needs, including $153 billion for defense, $89 billion for immigration enforcement, and $89.5 billion for border control and security. It also would increase the state and local tax deduction cap to $40,000 annually for five years for households making up to $500,000 a year until 2030, when it would permanently revert to $10,000.” The House passed the bill by a vote of 218 to 214. [House Vote 190, 7/3/25; Congressional Quarterly, 7/3/25; Congressional Actions, H.R. 1]
5/22/25: Murphy Voted For The FY 2025 Budget Reconciliation Bill That Included $3.8 Trillion In Tax Cuts Offset By $1.5 Trillion In Spending Reductions To Programs Like Medicaid And The Supplemental Nutrition Assistance Program. In May 2025, Murphy voted for, according to Congressional Quarterly, “the bill that would provide for approximately $3.8 trillion in net tax cuts and $321 billion in military, border enforcement and judiciary spending, offset by $1.5 trillion in spending reductions, as instructed in the fiscal 2025 budget resolution (H Con Res 14). It would raise the statutory debt limit by $4 trillion and provide for increased spending on defense and border security, spending cuts on social safety net programs, such as Medicaid and the Supplemental Nutrition Assistance Program. It also includes a mix of tax breaks for businesses and individuals; tax increases on universities and foundations; and a phase-down of clean energy tax credits. […] It would reduce federal spending on the Supplemental Nutrition Assistance Program by requiring states to shoulder more of the cost, expand work requirements for SNAP, extend programs authorized under the 2018 farm bill, and prohibit the U.S. Department of Agriculture from increasing the cost of the Thrifty Food Program. As amended, it would cap state and local tax deductions at $40,000 for households with incomes below $500,000.” The House passed the bill by a vote of 215 to 214. [House Vote 145, 5/22/25; Congressional Quarterly, 5/22/25; Congressional Actions, H.R. 1]
2/25/25: Murphy Voted For The FY 2025 Budget Framework That Included $2 Trillion In Cuts, Raised The Statutory Debt Limit By $4 Trillion, And Required House Committees To Recommend Legislation That Would Implement Trump’s Agenda. In February 2025, Murphy voted for, according to Congressional Quarterly, “the concurrent resolution that would recommend a budget for fiscal 2025 and budget levels through fiscal 2034. The resolution would assume minimum savings of $1.5 trillion over 10 years and 2.6 percent economic growth over the same period. It also would require the statutory debt limit to be raised by $4 trillion. It also would authorize the House Ways and Means Committee to increase deficits by $4.5 trillion over 10 years to extend the 2017 tax cuts and implement new tax cuts proposed by the White House. It also would provide instructions for the budget reconciliation process through which separate legislation could be considered and passed in the Senate via a simple majority vote. The measure would deliver instructions to 11 House committees to report legislation that would implement President Donald Trump’s agenda, such as expanding tax cuts and bolstering border security and immigration enforcement. The committees would be required to report their legislative recommendations to the House Budget Committee by March 27, 2025. It also would set a $2 trillion target for the spending cuts to be submitted to the House Budget Committee. The resolution also would stipulate that if the committees don't reach that target, the Ways and Means’ reconciliation instructions to increase the deficit by a maximum of $4.5 trillion would be decreased by the amount the other committees come in below the target. Similarly, it would stipulate that Ways and Means could increase the deficit above the $4.5 trillion level by the amount of savings the committees achieve above the $2 trillion target.” The vote was on passage. The House passed the resolution by a vote of 217 to 215. [House Vote 50, 2/25/25; Congressional Quarterly, 2/25/25; Congressional Actions, H. Con. Res. 14]
Asked About Republicans’ Plans For $880 Billion Worth Of Cuts, Murphy Claimed They Wouldn’t All Come From Medicaid And “There's Going To Be A Lot Of Savings That Are Coming From Other Programs That Are In That.” According to an interview Rep. Greg Murphy gave on NBC, “NOBLES: I don't think anyone would disagree with you that there are numerous examples of fraud, waste, and abuse in the health care system. But I've yet to find somebody that can identify $800 billion worth of fraud, waste, and abuse in the Medicaid system. Do you really think you can get to that number just by trying to rein in and reform the process? Or will it mean that individuals right now are receiving that care are going to lose it? MURPHY: Well, Ryan, it's it's not going to be that much. As we're talking with Chairman Guthrie the other evening, it's not going to be nearly that much coming out of Medicaid. There's going to be a lot of savings that are coming from other programs that are in that. So that $880 billion, to my understanding, is not fully coming from Medicaid.” [NBC, Meet the Press Now, 5/13/25] (video)
Murphy Said The Big Beautiful Bill Was A “Difficult Pill For Me To Swallow” Because He Had To Face People And “Deal With The Hospital Issues That Faced With Cuts” According to an interview Rep. Greg Murphy gave on Newsmax, “MURPHY: I'm a practicing physician in a rural part of eastern North Carolina, which relies heavily on Medicaid, Medicare, to keep our doors open. And we really don't, we're not able to do that so much with, with so many of the different payment schemes that go on. You know, we're trying to fix the system in one swoop, one swoop, that is really terribly broken. And that's the Medicaid system where the Biden administration enrolled millions of people who should not be eligible on Medicaid. I don't know where I am right now. This is a difficult pill for me to swallow. I'm probably more than anybody else in the US. Congress has to face these people and to look at these people, and deal with the hospital issues that faced with cuts. But we desperately need to reform a system that is terribly broken.” [NewsmaxTV, National Report, 7/2/25] (video)
7/3/25: Murphy Said He Was “Proud” To Support The Republican Budget Bill. According to a press release from Rep. Greg Murphy, “Congressman Greg Murphy, M.D., applauds the passage of H.R. 1, the One Big Beautiful Bill Act: ‘After over a year of diligent work crafting a budget reconciliation package that extends the successful 2017 tax cuts, strengthens border security and our military, and cuts waste, fraud, and abuse, I was proud to support the final passage of H.R. 1, the One Big Beautiful Bill Act,’ said Congressman Greg Murphy, M.D. ’As a physician of over 30 years serving rural Eastern North Carolina, and as a member of the House Ways and Means Committee, I vigorously advocated for a package that protects hardworking families, helps our country flourish, and preserves the fiscal viability of the United States. We achieved this and more while delivering on President Trump's and Republicans' vision to put the American people first.” [Press Release – Rep. Greg Murphy, 7/3/25]
Murphy Claimed Medicaid And Medicare Cuts In The One Big Beautiful Bill Would “Strengthen These Programs.” According to an interview Rep. Greg Murphy gave on NewsNation, “HOST: Are you concerned that this bill will cut some of those services to constituents who need them the most? MURPHY: You know, Nick, this is what we want to do. We want to strengthen these programs for the people who do need them the most. You know, I still see patients, and most of the patients I see are on Medicaid because I can't get paid for what I do. But that said, you know, I still see a few patients now and then that are on Medicaid who truly, Nick, should not be on Medicaid. And what that does is it hurts the individuals who should be receiving those benefits. We want to make this, as a system that government intended this to be, that is strong for the individuals, the safety net system that it is intended to be.” [NewsNation, 7/3/25] (video)
Murphy Claimed The Republican Budget Bill “Delivered Meaningful Improvements” To Medicaid. According to an opinion by Rep. Greg Murphy published in the Washington Times, “During the bill-making process for OBBB, I had the opportunity to tell the story of Eastern North Carolina and share how our work reforming Medicaid could impact people’s lives. Throughout the process, I worked alongside my GOP Doctors Caucus colleagues to call balls and strikes objectively on the provisions under consideration. In the end, we delivered meaningful improvements that protect benefits for Americans in need. The government simply cannot be everything for everybody.” [Rep. Greg Murphy Opinion – Washington Times, 7/29/25]
Murphy Claimed The Republican Budget Bill “Acted To Preserve The Financial Viability” Of Medicaid. According to an opinion by Rep. Greg Murphy published in The Raleigh News & Observer, “Regrettably, the intensity of America’s political environment perversely incentivizes politicians, media outlets and influencers to stoke fear. Without shame, Democrats breathlessly attacked Republicans as soulless miscreants who wish to strip access to health care for millions of needy Americans. In reality, we acted to preserve the financial viability of a critical program, which has seen costs grow by 51% since 2019, that our constituents rely on. The Medicaid reforms accomplished through OBBB targeted three areas where recent lax eligibility enforcement has caused Medicaid to balloon in recent years: eligibility verification, illegal immigrants and able-bodied Americans without dependents who refuse to work. Just this month, the Center for Medicare and Medicaid Services announced they have identified 2.8 million Americans who are enrolled in two or more government subsidized health care plans across different states, costing taxpayers an extra $14 billion a year. Basic safeguards and eligibility checks will save taxpayers billions.” [Rep. Greg Murphy Opinion – Raleigh News & Observer, 8/1/25]
Murphy Claimed That Reforming Medicaid Was “Really Critical” And Called The Program “Terribly Broken”
Murphy: “Reforming Medicaid Was Really Critical.” According to an interview Rep. Greg Murphy gave with WCTI, “MURPHY: They have insurance through their businesses, and when they leave, a lot of that income for hospitals goes away. And so they have to rely on Medicare and Medicaid. Trying to strengthen Medicare, for example, trying to make sure reimbursement rates are okay for hospitals to be able to survive on those things. Reforming Medicaid was really critical, what we've done this past year.” [WCTI, 3/26/26] (video)
Murphy On Medicaid Cuts In The One Big Beautiful Bill: “This Reform Is A Long Time Incoming.” According to an interview Rep. Greg Murphy gave on NewsNation, “MUPRHY: I've been a physician and take care of folks in rural eastern North Carolina for the last 30, 30 years. There are some challenges with the Medicaid issue. But, you know, I've gone through this, and I've had, gosh, 50, 60 conversations over the last several days with health care leaders across the state as well as in the administration. And we're able to move forward and do this in the right way. You know…Medicaid has grown way, way, way out of proportion to what it should be doing; it's not giving the benefits to those who really, truly deserve it. And this reform is a long time in coming. Democrats have grown administration and agencies are way, way out of control, and it's a painful thing for the adults to come back in the room and try to shrink government to where it should be.” [NewsNation, 7/3/25] (video)
Murphy: “Our Country Needed The Medicaid Reform The Big Beautiful Bill Provided.” According to an opinion by Rep. Greg Murphy published in The Raleigh News & Observer, “As the only practicing physician in Congress, no one better understands the stakes of Medicaid reform than I do. I have served Medicare, Medicaid and uninsured patients from across our rural referral area for over 30 years and now represent many of them in Congress. Throughout the legislative process of H.R. 1, the One Big Beautiful Bill (OBBB), I fiercely advocated for a targeted approach to protect benefits for those who are most vulnerable and deserve a helping hand; the very type of people Medicaid is designed for. In fact, the day before we passed the budget reconciliation package, I spoke with President Donald Trump to share Eastern North Carolina’s story and the challenges our communities face.” [Rep. Greg Murphy Opinion – Raleigh News & Observer, 8/1/25]
An Estimated 46,011 People In Murphy’s District On The Affordable Care Act And Medicaid Could Lose Coverage Due To Republican Budget Bill Health Care Cuts. According to the Joint Economic Committee,
[Joint Economic Committee, Viewed 4/13/26]
2023: 170,500 North Carolinians In The 3rd Congressional District Were Enrolled In Medicaid Or CHIP. According to the Center for American Progress,
[Center for American Progress, 3/11/25]
Murphy Said There Was “Sham” In Medicaid That Needed To Be Reformed. According to an interview Rep. Greg Murphy gave on CNN, “MURPHY: Now, so that was approached in the House: the waste, fraud, and abuse. The Senate is taking a different approach, looking at some of the problems that have occurred with hospital reimbursements. The fact that they tax themselves, send money to the state, and the state draws down $2 from, from the federal government for every dollar that they get taxed. And there's some, there's some sham in that system. And it's grown, it's grown, it's grown over the last decade. We have to get back to where we have resources that are for the population of Medicaid, that are for the population of Medicaid, and not for individuals who don't need to be on that. I'm going to be studying their, their final proposal a lot more this afternoon, and I'll make a decision this afternoon or this evening.” [CNN, News Central, 7/1/25] (video)
North Carolina Had A Trigger Law That Would Discontinue Medicaid Expansion If The State Was Forced To Pick Up Any Costs. According to North Carolina Health News, "Jay Ludlam, deputy secretary for NC Medicaid, explained that two key provisions of the version of the One Big Beautiful Bill that already passed the U.S. House — a work requirement for enrollees and a freeze on provider taxes — would jeopardize the North Carolina expansion program by creating an unfunded mandate for the state. Under the Affordable Care Act, the federal government pays 90 percent of the cost for beneficiaries of Medicaid expansion. Hospitals cover the remaining 10 percent of the state’s expansion costs through a special tax assessment. The General Assembly’s passage of expansion was contingent on that payment arrangement staying in place. State lawmakers designed the Access to Healthcare Options Act with a ‘trigger’ that discontinues Medicaid expansion if the state is forced to pick up any costs." [North Carolina Health News, 6/27/25]
[New York Times, 7/1/25]
North Carolina Health Officials And Hospital Executives Feared The Republican Budget Bill Could Trigger The End The State’s Medicaid Expansion By Lowering A Tax North Carolina Relied On To Pay For The Program. According to The New York Times, “In interviews last week, local health officials and chief executives of hospital systems across the state said that expanding Medicaid had helped create a lifeline for rural hospitals, allowing some to bounce back from financial deficits. And several North Carolina residents who became eligible for Medicaid through the expansion said they felt worried about the possibility of once again navigating life without health coverage. […] More concerning to state officials is that the Trump law could trigger the end of Medicaid expansion in North Carolina by lowering a tax the state depends on to cover its share of the cost. The new law may also force the state to end a related program that boosts federal payments for hospitals that treat Medicaid patients. Lawmakers could pass a legislative fix, but they have remained deadlocked over the state budget, and some health experts said they doubted a solution could be reached.” [New York Times, 7/6/25]
Medicaid Cuts Introduced Through The Republican Budget Bill Compounded State Budget Issues, Leaving North Carolina’s Medicaid Program At Risk Of Losing Funding. According to The Washington Post, “Roughly 650,000 people here have signed up for Medicaid since the legislature expanded it 18 months ago — the culmination of a years-long effort in this politically split state. But now they are in danger of losing it under provisions in President Donald Trump’s One Big Beautiful Bill Act. In signing that law, Trump approved more than $900 billion in cuts to Medicaid over the next decade. Those cuts are colliding with state budget challenges, imperiling the future of Medicaid in states such as North Carolina.” [Washington Post, 8/17/25]
August 2025: North Carolina’s Top Health Official Said The State Would Slash Medicaid Payments To Doctors, Hospitals And Other Providers Beginning October 1st Due To A Lack Of Funding. According to The Washington Post, “Devdutta Sangvai, the state’s top health official, told legislators in a letter last week that North Carolina will slash Medicaid payments to doctors, hospitals and other providers starting Oct. 1. He attributed the cuts to the GOP-led legislature declining to fully fund the program. New administrative costs to restrict eligibility under the federal law are among the long-term factors that risk ‘a fundamental erosion of the NC Medicaid program,’ he wrote. ‘Despite careful efforts to minimize harm, the reductions now required carry serious and far-reaching consequences,’ Sangvai wrote. He said that reduced rates ‘could drive providers out of the Medicaid program, threatening access to care for those who need it most.’” [Washington Post, 8/17/25]
The Republican Budget Bill Required North Carolina Counties To Verify The Eligibility Of Medicaid Recipients Twice A Year Instead Of Annually, Exacerbating An Existing Paperwork Backlog. According to The Washington Post, “North Carolina’s 100 counties, each of which handle Medicaid enrollment differently, will need to verify the eligibility of beneficiaries twice a year instead of annually. More than half the counties already have a monthly backlog in processing new Medicaid applications and renewals, according to Jay Ludlam, deputy secretary for the state’s Medicaid program. As recently as two years ago, some counties lacked voicemail or had just one phone line. And keeping the county offices fully staffed has become much harder in recent years, Ludlam says. So he’s deeply worried about their ability to handle a new load of paperwork.” [Washington Post, 8/17/25]
A Hospital Executive In Murphy’s District Said The Republican Budget Bill’s Medicaid Cuts Would Create A “Desperate Situation For The People Who Work Here, Our Patients And The Entire Community.” According to The New York Times, “At the last minute, Congress provided $50 billion in funding for rural hospitals in the Trump law. But many hospital executives have said it would not be nearly enough to make up for the cuts to Medicaid and other health programs. Penney Burlingame Deal, the president and chief executive of Onslow Memorial Hospital in Jacksonville, N.C., said the law ‘will create a desperate situation for the people who work here, our patients and the entire community.’” [New York Times, 7/6/25]
As Of April 2025, 650,000 North Carolinians Were Covered By Medicaid Expansion. According to a Governor Josh Stein press release, “Governor Josh Stein announced that as of today, 650,000 newly eligible North Carolinians have gained access to affordable health care through Medicaid expansion, including veterans and workers in child care, construction, hospitality, home health care and other industries essential to the state. ‘Medicaid expansion shows what is possible when our state’s leaders come together in a bipartisan effort to serve North Carolinians,’ said Governor Josh Stein. ’North Carolina’s Medicaid program is innovative and fiscally responsible. It delivers for taxpayers, helps keep people healthy, supports businesses and workforce and drives access to health care in rural communities. Medicaid strengthens North Carolina, and we need to protect it from damaging federal cuts.’” [Press Release – Governor Josh Stein, 4/9/25]
Murphy Said He Had Been “Ravenous” For An Overhaul Of Health Care Since Entering Congress. According to Politico, “But by their own admission, House Republicans are only in the very nascent stages of negotiations, while Senate Republicans are already outlining detailed proposals to align with President Donald Trump’s vision for lowering the cost of health care by sending health funds ‘directly to the people.’ It’s causing anxiety in the House GOP ranks among members who don’t want to be forced to swallow whatever plan the Senate comes up with to extend the premium tax credits or some other alternative proposal. The chairs of the critical House committees have plans to hold listening sessions soon to hear members out on their wide-ranging views on health policy. But it’s promising to be a long, deliberative process — and the clock is ticking. ‘I don’t want to get jammed by the Senate. We have a lot of smart people in the House,’ said Rep. Greg Murphy (R-N.C.), a member of the House Ways and Means Committee. ‘I’ve been ravenous for [a health care overhaul] literally since the first day I was in Congress, so just working with the three different committees, and hopefully we can do something sooner than later.’” [Politico, 11/18/25]
Murphy Claimed Government Intervention In Healthcare Was “Destroying It.” According to an interview Rep. Greg Murphy gave with Washington Watch with Tony Perkins, “MUPRHY: Tony, I've been in medicine for over 30 years. I've run practices with, with my surgical practice. I actually still take care of patients. I operated yesterday and took care of some patients this morning. I have seen the meteoric rise in health, in government intervention in health care, which is destroying it. This is the reason it costs so much today is because of so much government intervention.” [Washington Watch with Tony Perkins, 9/17/22] (video) 220927_MM_163765_A
Murphy: “The Unfortunate Truth Is That The Affordable Care Act Failed In Its Promises To Lower Healthcare Costs.” According to ABC News 12, “Congressman Greg Murphy, M.D., issued this statement regarding the passing of H.R. 1834, extending temporary, COVID-era Obamacare subsidies, As a physician of 35 years, I have dedicated my life to serving others, primarily those in rural and underserved communities," said Congressman Greg Murphy, M.D. "The unfortunate truth is that the Affordable Care Act failed in its promises to lower healthcare costs. Instead, patients have faced skyrocketing premiums that have led to record profits by greedy insurance companies. The failed ACA has had to be bailed out again and again. The Enhanced Premium Tax Credits were supposed to be temporary subsidies that were to last only the length of the COVID-19 pandemic. Extending these insurance company bailouts does nothing to lower the cost of healthcare in America. It is simply a continuation of bad policy and only incentivizes bad behavior by insurers, the most powerful lobby in Washington.” [ABC News 12, 1/8/26]
April 2025: Murphy Claimed The Affordable Care Act Failed To Help Americans And Was Rife With Waste, Fraud And Abuse. Rep. Greg Murphy tweeted, “Just to remind everyone who really benefited from ObamaCare in 2010. It wasn’t the patients. It wasn’t the doctors. It was the insurance companies. Fraud. Waste. Abuse.” [Twitter, @RepGregMurphy, 4/10/25]
Murphy Claimed The ACA Premium Tax Credits Were “Rife With Waste, Fraud, And Abuse.” Rep. Greg Murphy tweeted, “During the Biden Administration, Democrats expanded Obamacare subsidies under an emergency and temporary basis. These subsidies cost taxpayers over $400 billion and are rife with waste, fraud, and abuse. Let me explain ⬇️” [Twitter, @RepGregMurphy, 11/4/25] (video)
Murphy Was Not One Of The Republican Signers On A Discharge Petition Led By House Minority Leader Hakeem Jeffries.
[Clerk of the U.S. House of Representatives, Discharge Petition No. 10, 11/12/25]
Murphy Was Not One Of The Republican Signers On A Discharge Petition Led By Rep. Brian Fitzpatrick.
[Clerk of the U.S. House of Representatives, Discharge Petition No. 12, 12/10/25]
Murphy Was Not One Of The Republican Signers On A Discharge Petition Led By Rep. Josh Gottheimer.
[Clerk of the U.S. House of Representatives, Discharge Petition No. 13, 12/10/25]
Participation In The Federal Healthcare.gov Marketplace Fell 22.5 Percent In North Carolina During The 2026 Enrollment Period After The Expiration Of ACA Premium Tax Credits. According to the Winston-Salem Journal, “Participation in the federal HealthCare.gov marketplace plunged by 22.5% in North Carolina for the 2026 enrollment period that ended Thursday. The marketplace is a high-profile component of the federal Affordable Care Act, also known as ‘Obamacare,’ that has been at the heart of the nation's political tug-of-war over health insurance access since its debut in 2014. For those who enrolled before Dec. 16, the coverage started on Jan. 1. Coverage for those who enrolled by Jan. 15 begins on Feb. 1. According to a Centers for Medicare and Medicaid Services dashboard, as of Thursday, North Carolina has 755,919 enrollees for 2026, compared with 975,110 in 2025 and a record 1.03 million in 2024.” [Winston-Salem Journal, 1/16/26]
The Affordable Care Act Premium Tax Credits Expired On December 21, 2025. According to the Academy of Managed Care Pharmacy (AMCP), “Enhanced Patient Protection and Affordable Care Act (ACA) premium tax credits (PTCs) will expire on Dec. 31, 2025, threatening a loss of health insurance coverage and increased premium rates for millions of Americans.” [AMCP, Viewed 4/29/26]
HEADLINE: "NC Approves ACA Premium Hikes Up To 36%, Leaving Many To Face ‘Sticker Shock’" [News & Observer, 10/29/25]
HEADLINE: "'God Forbid Something Happens': North Carolina Residents Face 2026 Health Insurance Increases" [Daily Tar Heel, 12/2/25]
HEADLINE: "NC Residents Face Steep Health Insurance Hikes During Open Enrollment" [ABC 13 News, 11/4/25]
The Expiration Of Enhanced ACA Premium Tax Credits Re-Introduced A “Subsidy Cliff” Whereby If Households Earned Even $1 More Than A Specific Income Threshold They Could Lose All Eligibility For Insurance Subsidies. According to CNBC, "For the first time in years, many Americans enrolled in a health insurance plan via the Affordable Care Act marketplace will need to keep a careful accounting of their annual income — or risk a hefty federal tax bill. Enhanced ACA subsidies lapsed at the end of 2025, leaving millions of households on the hook for higher insurance premiums. The lapse also reintroduced the so-called subsidy cliff, whereby households that earn even $1 more than a specific income threshold will lose all eligibility for subsidies, also known as premium tax credits. That income cutoff, which varies by family size, is $62,600 for a single person, $84,600 for a two-person household and $128,600 for a family of four in 2026, for example." [CNBC, 1/6/26]
Households That Went Over The Income Limit Would Have To Pay Back Any Federal Assistance They Received For Premiums, Which Could Cost Thousands Of Dollars, When They Filed Their Taxes. According to CNBC, "Households over the limit would have to pay back any federal subsidies they received for premiums — potentially worth thousands of dollars — when they file taxes next year for 2026." [CNBC, 1/6/26]
Republicans’ Big Beautiful Bill Exacerbated The Problem By Stripping Away Guardrails Capping The Amount Of Excess Subsidies Households Are Required To Repay. According to CNBC, "The potential financial impact is exacerbated by a multitrillion-dollar legislative package known as the ‘big beautiful bill’ that Republicans passed over the summer, which stripped away guardrails capping the amount of excess subsidies households must repay, experts said." [CNBC, 1/6/26]
Approximately 22 Million Americans Relied On ACA Premium Tax Credits To Afford Health Insurance. According to CNBC, "About 22 million Americans received premium subsidies, also known as premium tax credits, in 2025. Households can opt to receive the tax credit in one of two ways: As a lump sum during tax season or as an advanced payment. Under the latter option, by far the most popular, the federal government issues the tax credit directly to a consumer’s insurer, which then lowers the consumer’s out-of-pocket premium. Consumers receive those advanced ACA subsidies based on an estimated annual income they provide when signing up for insurance. They must reconcile those subsidies during tax season and repay any excess tax credits to the IRS." [CNBC, 1/6/26]