NABIP eAPTC Resource Kit

Hi Sarah,

I want to let you know about an important change that could affect your health coverage.

Since 2021, the Affordable Care Act (ACA) has included extra tax credits that lowered premiums for millions of families. These credits have helped make coverage more affordable, no matter your income level.

But here's the problem: those extra credits are set to expire at the end of this year unless Congress votes to extend them. If they go away, many families will see their premiums go up — in some cases, doubling to over $2,000 per month.

Our industry is working with Congress every day on this issue, and I'm doing my part through the National Association of Benefits and Insurance Professionals. But the truth is, lawmakers listen most to you—the voter.

That's why I'm asking you to take action. I've attached a simple guide that shows you exactly how to call your members of Congress. It only takes two minutes, but your voice can make a real difference in keeping healthcare affordable.

Simply go to https://www.congress.gov/members/find-your-member to find your representative.

Thank you for speaking up to protect yourself and your community.

Best,

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter

Hi Sarah,

It's been such a pleasure working with you over the past several years. You may remember that before COVID, we always had to get creative with your coverage because of the subsidy cliff—the point where households earning just above certain income levels no longer qualified for any Affordable Care Act (ACA) tax credits.

In 2021, that cliff was temporarily removed. Unfortunately, that protection is scheduled to expire at the end of this year unless Congress acts to extend it.

Here's what the subsidy cliff looks like:
Household Size | Cliff where subsidies end
1 | $62,600
2 | $84,600
3 | $106,600
4 | $128,600
5 | $150,600
6 | $172,600

Why it matters: without these credits, a couple in their early 60s, with income just over $84,600, could see premiums jump to $2,000 per month. That's money that should be going toward your lifestyle—not propping up the broken healthcare system.

Here's the reality: our industry is talking to Congress every day. I'm a member of the National Association of Benefits and Insurance Professionals, and we're working on this issue from the inside. But when lawmakers hear only from us, they dismiss it as "industry bias." What gets their attention is hearing directly from you—their voter.

That's why I need you to make this call. It takes just two minutes today using the attached guide. Your voice is the one that counts most. If enough constituents speak up, Congress will have no choice but to act.

Simply go to https://www.congress.gov/members/find-your-member to find your representative.

Thank you for taking the time to protect yourself and your family.

Best,

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter

Hi Sarah,

Since you've been on the Affordable Care Act (ACA), you've likely noticed that tax credits have helped keep your premiums manageable. What you may not know is that those credits haven't always been available to households like yours.

Before 2021, there was something called the subsidy cliff. If your household income went even $1 above a set limit, you lost all of your tax credits—instantly. That meant families just over the line often faced unaffordable premiums.

In 2021, Congress temporarily removed that cliff. That's why you've had access to tax credits, even though your income is above 400% of the Federal Poverty Level (FPL).

But unless Congress acts, the cliff will return at the end of this year.

Here's where those cutoffs fall:
Household Size | Cliff where subsidies end
1 | $62,600
2 | $84,600
3 | $106,600
4 | $128,600
5 | $150,600
6 | $172,600

If the cliff comes back, families just above these thresholds will lose all their credits. For example, a couple in their early 60s could see premiums jump to $2,000 per month.

Here's why I'm writing: our industry is working with Congress to push for an extension. I'm a member of the National Association of Benefits and Insurance Professionals, and we're making the case from the inside. But lawmakers ultimately listen to their voters. They need to hear from you directly, because your voice carries more weight than mine ever will.

I've attached a quick guide. It only takes two minutes today to make the call. This is about protecting your own household budget from a massive spike.

Your voice can make the difference.

Simply go to https://www.congress.gov/members/find-your-member to find your representative.

Thank you for taking action to make sure the coverage you've counted on remains affordable.

Best,

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter

Hi Sarah,

Right now your health plan is $0 a month because of extra help that's been in place since 2021.

Here's the problem: that help goes away at the end of this year unless Congress does something.

If it ends, families like yours will no longer get $0 plans. You'd have to start paying more every month.

Our industry is working with Congress every day on this issue. As a member of the National Association of Benefits and Insurance Professionals, I'm advocating for you. But lawmakers ultimately listen most to their voters.

Please take 2 minutes today to call your members of Congress using the guide I've attached. Your voice can make the difference.

Simply go to https://www.congress.gov/members/find-your-member to find your representative.

Your call will help you and can help keep your plan affordable.

Best,

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter

Hi Sarah,

If you retire before 65, health insurance is a huge deal. The only reason it's been affordable these past few years is because of extra help that started in 2021.

That help ends this year unless Congress votes to extend it.

Without it, a couple in their early 60s could pay $2,000 a month for coverage if their income is $84,600 or more.

Our industry is working with Congress every day on this issue. As a member of the National Association of Benefits and Insurance Professionals, I'm advocating for you. But lawmakers ultimately listen most to their voters.

Please take 2 minutes today to call your members of Congress using the guide I've attached. Your voice can make the difference.

Simply go to https://www.congress.gov/members/find-your-member to find your representative.

Your call can help protect your retirement savings.

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter

Hi Sarah,

Since 2021, new families and residents have been able to get health coverage because of extra help. That's why your plan has been affordable.

But unless Congress acts, that help ends this year. Premiums will go up, and some families may even lose coverage.

Our industry is working with Congress every day on this issue. As a member of the National Association of Benefits and Insurance Professionals, I'm advocating for you. But lawmakers ultimately listen most to their voters.

Please take 2 minutes today to call your members of Congress using the guide I've attached. Your voice can make the difference.

Simply go to https://www.congress.gov/members/find-your-member to find your representative.

Your call helps protect your family's health and future.

Best,

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter

Hi Sarah,

With [NAME] on Medicare and you not yet at age 65, I know health costs can be hard. Since 2021, extra help has made your coverage more affordable, and you were insulated from how expensive it could have been.

The issue is that help is currently set to end this year unless Congress acts.

Without it, the younger spouse could pay $1,000–$2,000 a month until they reach Medicare.

Our industry is working with Congress every day on this issue. As a member of the National Association of Benefits and Insurance Professionals, I'm advocating for you. But lawmakers ultimately listen most to their voters.

Please take 2 minutes today to call your members of Congress using the guide I've attached. Simply go to https://www.congress.gov/members/find-your-member to find your representative. Your voice can make the difference.

Best,

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter

Hi Sarah,

Since 2021, Republican-led districts like ours have seen a 157% increase in individual health insurance enrollments. Why? Lower premiums made possible by extra tax credits.

This isn't about politics. The ability to live longer and healthier matters to everyone—farmers, small business owners, and working families alike. Many don't have job-based coverage and rely on affordable individual market plans to stay healthy and avoid crushing medical bills.

Here's the problem: if Congress lets the extra tax credits from 2021 expire this year, families in our area will get hit hard. Premiums could double, with some households paying more than $2,000 a month.

Our industry is working with Congress every day on this issue. As a member of the National Association of Benefits and Insurance Professionals, I'm advocating for you. But lawmakers ultimately listen most to their voters.

Please take 2 minutes today to call your members of Congress using the guide I've attached. Simply go to https://www.congress.gov/members/find-your-member to find your representative. Your voice can make the difference.

Best,

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter

Hi Sarah,

Running a business is tough enough without huge health costs. I know cash flow is critical—whether you're building reserves, reinvesting profits, or planning your next stage of growth.

Since 2021, extra help through higher premium tax credits has kept your health coverage affordable without draining your business. But that support ends this year unless Congress acts.

Without it, premiums could rise by hundreds—or even thousands—each month.

Our industry is working with Congress every day on this issue. As a member of the National Association of Benefits and Insurance Professionals, I'm advocating for you. But lawmakers ultimately listen most to their voters.

Please take 2 minutes today to call your members of Congress using the guide I've attached. Simply go to https://www.congress.gov/members/find-your-member to find your representative.Your voice can make the difference.

Best,

ATTACHMENT: How To Call Congress - Consumer Infographic & How to Call Your Members of Congress - One sheeter