What the 2026 changes actually do
The enhanced premium tax credits enacted in 2021 and extended by the Inflation Reduction Act expired on 1 January 2026, and the combination of their loss and double-digit premium increases produced very large cost rises. Medicaid was reduced by the July 2025 reconciliation legislation, with CBO projecting millions losing coverage over the following decade.
- The ethically interesting mechanism
- Work requirements and more frequent eligibility redetermination remove people through administrative burden as much as through genuine ineligibility. A person fully eligible who loses coverage because a redetermination letter went to an old address has not been judged undeserving — they have been removed by paperwork. Naming administrative burden as a deliberate policy instrument is more sophisticated than “cuts are bad”.
