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White House to delay healthcare proposal | investingLive

The White House is saying that they will delay the healthcare proposal. This proposal is a critical response to the expiring Affordable Care Act (ACA) subsidies, which are set to run out on December 31, 2025.

Here is a breakdown of what the proposal is expected to do and the broader context of the administration’s healthcare agenda.

The administration is racing to address the “subsidy cliff” that would otherwise cause premiums to skyrocket for millions of Americans next month. Key expected components include:

  • Two-Year Subsidy Extension: The plan likely extends the enhanced ACA premium tax credits for another two years, preventing an immediate spike in costs for enrollees.

  • End of “Zero-Premium” Plans: To combat fraud and “ghost beneficiaries,” the proposal is expected to eliminate plans that cost enrollees $0 per month. Everyone would be required to make at least a minimum premium payment.

  • “Direct” Payments & HSAs: Consistent with President Trump’s rhetoric of “sending money directly back to the people,” the plan may introduce a “deposit program.” If an enrollee chooses a lower-cost plan, the government might deposit the savings difference into a Health Savings Account (HSA) for the patient to use, rather than paying it all to the insurance company.

It is important to distinguish the upcoming proposal from the major changes already signed into law earlier this year under the “One Big Beautiful Bill Act” (enacted July 4, 2025). These changes are already reshaping the landscape:

  • Medicaid Work Requirements: Starting in 2027, Medicaid expansion enrollees will generally need to work, train, or volunteer for at least 80 hours a month to maintain eligibility.

  • Enrollment Verification: Stricter verification rules for ACA subsidies have been implemented to prevent improper payments, ending automatic re-enrollment for many.

  • Shortened Open Enrollment: The open enrollment period for ACA plans has been reduced to six weeks (Nov 1 – Dec 15), meaning the window to sign up for 2026 coverage is currently open but closing soon.