A Message from Kim Phelan, CEO of The Coalition for Hemophilia B
October 31, 2025
🚨 URGENT: TAKE ACTION NOW! 🚨
Dear Community Members,
Millions of Americans depend on the Affordable Care Act (ACA) for health insurance, over 26 million people, including many living with chronic conditions.
Right now, Congress is at a standstill whether to keep the tax credits that make this coverage affordable.
Let’s be clear: this isn’t about refusing to compromise, it’s about ensuring that Americans are protected.
Without these tax credits, insurance premiums will skyrocket, and many families will no longer be able to afford care.
Leaders have had multiple terms in office and many opportunities to improve or create a better health plan for all Americans, but no replacement has ever been developed.
You cannot dismantle a program that helps 26 million people without offering a real solution.
This is not about politics, it’s about protecting people’s health.
Democrats and Republicans must work together now to protect affordable coverage for everyone.
They work for you, and even if the government is shuts down, your representatives are still meeting with constituents, so raise your voice and speak up for what’s right.
Big Health Insurance Changes Coming — Don’t Lose Your Coverage!
Starting in 2025 and 2026, new rules will make it harder for many people to stay covered unless Congress acts.
What’s Changing
Low-Income Special Enrollment (for people under 150% of the poverty line) ends August 25, 2025.
DACA recipients will lose Marketplace coverage that same day.
Some lawfully present immigrants will lose tax credit eligibility in 2026.
People who earn more than expected will have to repay all extra tax credits, with no repayment limit.
Plans may require payment of old premiums before reenrollment.
Auto-enrollment rules are changing, and some fees will apply.
Important Dates
Nov 1: Open Enrollment begins
Dec 15: Last day to choose a plan for Jan 1 coverage
Dec 31: Last day to cancel unwanted auto-enrollment
Jan 15: Open Enrollment ends
What You Should Do
Update your contact info on HealthCare.gov and with your insurance company.
Don’t auto-enroll without checking your 2026 premium, prices will change.
Turn off auto-pay until you confirm your new premium.
Cancel coverage by Dec 31 if you don’t want to be charged in January.
Log in again before Jan 15 to check if tax credits are extended or if plans change.
Speak Up Now
Call or email your Senators and Representatives today, tell them to protect ACA tax credits and keep health insurance affordable for all Americans.
Use our advocacy system: Click here
If you need help or want to take action, contact us at advocacy@hemob.org.
We can guide you on how to make your voice count.
Special Thanks
We thank the Center on Budget and Policy Priorities (CBPP) for sharing this important information and their educational slides to help us better understand what’s at stake.
Kim Phelan
CEO, The Coalition for Hemophilia B