ATLANTA, Ga. (Atlanta News First) – Open enrollment for health coverage through the Affordable Care Act marketplace is now underway for more than a million Georgians, but this year comes with added uncertainty.

The tax credits that help make coverage affordable may not be extended, leaving many residents unsure about their health care costs.

64-year-old Gareth Finley currently qualifies for a monthly premium tax credit under the ACA, which helps keep her insurance within reach.

But this week, Finley was stunned to see her monthly premium had doubled. Her $1,200-per-month tax credit may or may not continue, a decision now in the hands of Congress.

“I think the U.S. has amazing health care, but the financing system for it is just kind of bizarre and broken,” Finley said.

According to Georgians for a Healthy Future, nearly 1.5 million Georgians rely on ACA tax credits. 93% of those enrolled in the marketplace depend on the subsidies to keep coverage affordable.

Finley expressed concern about the broader impact of rising costs on hospitals and rural communities.

“When hospitals can’t afford sustaining emergency rooms, they’ll end up closing — especially in rural areas like where I live,” she said.

The debate over ACA tax credits has become central in the ongoing government shutdown. Democrats stress the urgency of extending the subsidies.

Senator Jon Ossoff said in a statement, “Today, Senate Republicans again blocked a bill to fund the Federal government and prevent massive increases in health insurance premiums. More than 20 million Americans will see their health insurance premiums double next year without Congressional action, while President Trump continues to refuse to work on a solution.”

Republicans argue the pandemic-era subsidies were intended to be temporary and that continuing them could benefit higher-income households.

However, Congresswoman Marjorie Taylor Greene has signaled willingness to negotiate with Democrats on a new healthcare plan, posting that she is “absolutely disgusted” that insurance premiums could double if the credits expire.

Finley said the credits are essential.

“I can’t see our country sustaining our health care system and economy without it,” she said.

Open enrollment runs through Jan. 15. Experts warn that if Congress does not act before the end of the year, thousands of Georgia families could lose coverage or face unaffordable premiums early next year.

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