Audrey Morse Gasteier, executive director of the Massachusetts Health Connector, said the financial bulwark that benefited 270,000 residents is “part of the reason that we’re hanging in there in terms of enrollment and keeping people covered.”

But Thursday’s announcement won’t translate into any additional help.

Healey’s news conference coincided with the beginning of an election year in which three Republicans are vying for her job and voters are expected to be particularly focused on the state’s high cost of living. One survey last year found Massachusetts had the second highest cost of living in the country. People who saw their insurance premiums increase this year said it was one pricey bill amid an onslaught of growing expenses.

“I can’t believe how much it is when we go to the grocery store. Our electricity has gone up,“ said Judith O’Gara, whose family was hit with a $400 increase a month in insurance premiums for their ACA plan in January. ”We were just bracing ourselves to try to stretch the paycheck further.”

O’Gara, of Millis, is a part-time editor at community newspapers, and her husband is a self-employed computer animator and mural artist. She has added hours at work, she said, but it still wasn’t enough to qualify for health coverage through her employer, leaving the couple to buy insurance through the connector.

Healey also used the news conference to weigh in on a high-profile effort in Congress to revive the federal subsidies. Also on Thursday, the US House, with help from 17 Republican defectors facing competitive reelection races, passed a bill that would extend the subsidies for another three years. A small group of senators is considering proposing their own extension of the subsidies.

“We need to see people in Congress step up and take action and fight the president on this and get him to focus on the domestic agenda and how to make life more affordable for people,” Healey said.

The governor said she didn’t announce the influx of funds earlier because she had hoped Congress would act before the end of 2025.

“We gave up until the deadline to see if they take action,” she said.

ACA open enrollment extends through Jan. 23.

The infusion of funds from the Commonwealth Care Trust Fund brings the state’s total commitment to the insurance marketplace to $600 million, which Healey said is the largest support from any state in the country.

Federally subsidized insurance policies were first made available to people making less than 400 percent of the federal poverty level, or about $128,600 for a family of four, in 2009 under President Barack Obama’s ACA, also known as Obamacare. In 2021, Congress made those subsidies more generous for many recipients and extended them to people earning up to 500 percent of the federal poverty level. The expanded tax credits doubled participation in the ACA exchanges over the past four years, and by last year 337,000 people in Massachusetts received subsidized insurance through ConnectorCare.

The increases were slated to expire after four years, and without congressional action to preserve them, premiums reverted to pre-2021 levels for this year. People earning more than 400 percent of the poverty level became ineligible to receive subsidized insurance. State officials have estimated roughly 300,000 people could become uninsured statewide over the next decade, in part due to the expiration of the tax credits.

Democrats staged a 43-day shutdown last fall, the longest in US history, in an unsuccessful effort to preserve the expanded subsidies.

The Commonwealth Care Trust Fund predates the 2021 coverage expansion, said Doug Howgate, president of the Massachusetts Taxpayers Foundation, a nonprofit budget watchdog, and was established to support ConnectorCare programs. Massachusetts has long had a robust public insurance program, and the 2021 expansion essentially allowed the state to shift the cost of subsidies it had been paying to the federal government. Tapping the trust fund now essentially returns Massachusetts to the support levels it provided prior to 2021, Howgate said.

Regardless of the timing of Healey’s announcement, it is a reality that Massachusetts has a uniquely robust commitment to health insurance access, Howgate said.

“I do think that the idea that the state is able to offset some of those impacts is an important message to get out there,” he said. “This is real money.”

According to Healey’s office, a 45-year-old couple with two kids making $75,000 in Fall River previously paid $166 per month for the lowest-cost coverage. Without state action, their premium would have more than doubled. But with the infusion from the trust fund, they will pay $206 per month.

There’s only so much the state can do to mitigate the impacts of the expired subsidies, though. Because Congress didn’t extend them, people between 400 and 500 percent of the federal poverty level simply are ineligible to sign up for subsidized policies through the ACA marketplace. There are roughly 27,000 people statewide who cannot benefit from the state’s effort to compensate for the lost federal money, and those people are among those facing the biggest new insurance expenses.

Christa, 56, a hair dresser, and her husband, Gary, 69, a truck driver, earn less than $105,750 annually combined, just shy of 500 percent of the poverty level. The couple, who asked not to be named to protect their privacy, went from paying $282-a-month for Christa’s insurance with no deductible, to a private plan costing $725 a month with a $2000 deductible.

Gary, who is enrolled in Medicare, is still counting on Congress for a reprieve.

“I believe the Senate will be forced to do something, and we’re hoping,” he said.

Jason Laughlin can be reached at jason.laughlin@globe.com. Follow him @jasmlaughlin.

Fraud allegations in Minnesota’s childcare system are prompting two Massachusetts Republican lawmakers to ask the Healey administration to conduct a “top-to-bottom audit” of a Bay State voucher program.

State Reps. Marc Lombardo, R-Billerica, and Nicholas Boldyga, R-Southwick, say they’re alarmed after seeing national reports of fraud in childcare subsidy programs, pointing specifically to widespread allegations in Minnesota.

Their concerns have prompted them to ask Gov. Maura Healey to direct Education Secretary Patrick Tutwiler to “urgently conduct” an audit and review of the Massachusetts Child Care Financial Assistance program to identify any potential fraud and vulnerabilities here.

Child Care Financial Assistance helps low-income families pay for childcare in Massachusetts.

“While Massachusetts has not yet been directly implicated in the same manner, the similarities in program structure, relying on voucher reimbursements to providers for low-income families, raise legitimate questions about whether comparable fraud or waste could be occurring here undetected,” Lombardo and Boldyga wrote in a joint letter to Healey on Wednesday.

“Our Commonwealth invests hundreds of millions of dollars annually in this critical program to support working families and early education,” they added. “We owe it to Massachusetts taxpayers and the families who genuinely need this assistance to ensure every dollar is spent appropriately and reaches its intended purpose.”

The governor’s office did not immediately respond to a Herald request for comment on the letter.

Early Education and Care Commissioner Amy Kershaw has said that Massachusetts is not facing disruption to its $293 million share of federal childcare payments amid a nationwide freeze in response to the Minnesota fraud allegations.

Kershaw has also added that Child Care Financial Assistance is not being impacted, either. The state appropriates funds for the voucher program at the beginning of the fiscal year and then seeks federal reimbursement.

This fiscal year’s funding totals about $1.087 billion for the program, which covered more than 66,000 children in fiscal year 2025, according to a December report from the Massachusetts Taxpayers Foundation.

“Obviously, we are incredibly concerned about families across the country and in Minnesota who may lose access to Child Care Financial Assistance based on acts by the federal government,” Kershaw told Bay State childcare stakeholders on Monday.

Before the new year, the federal Administration for Children and Families froze all funding to Minnesota. All 50 states must now provide additional verification before receiving more funds.

Minnesota Democrats accuse the Trump administration of playing politics and hurting families and children as a result.

This all comes after a video surfaced on YouTube alleging fraud in childcare in Somali communities in Minnesota, to which Kershaw has said none of the allegations have been proven.

The Massachusetts early education and care commissioner noted how there have been similar videos posted in Massachusetts and other states like Ohio, California and Washington.

In their letter to Healey, Lombardo and Boldyga also highlighted how the U.S. Department of Health and Human Services has responded to the Minnesota allegations by closing loopholes that allowed payments without verifying attendance.

“These developments highlight serious risks in subsidized child care systems across the country,” the Republican lawmakers wrote, “including the potential for misappropriation of taxpayer funds on a massive scale.”

Lawmakers across the country are seeking similar reviews as Lombardo and Boldyga. In Michigan, State Senate Minority Leader Aric Nesbitt, a Republican, has asked for an audit of a state program that aims to help low-income families afford childcare there.

The Massachusetts audit would zero in on verifying that voucher payments to providers are based on documented child attendance records; cross-checking to detect potential “ghost children” or overbilling; and on-site inspections of voucher-receiving providers to confirm they are operating legitimate childcare programs, among other objectives.

“Such a thorough review would not only safeguard public funds,” Lombardo and Boldyga wrote, “but also strengthen confidence in a program that is vital to thousands of Massachusetts families.”

The Associated Press and Herald wire services contributed to this report.