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Wisconsin Family Faces Loss of ACA Tax Credits

  //health-fitness.news-articles.net/content/2025/ .. consin-family-faces-loss-of-aca-tax-credits.html
  Published in Health and Fitness on Tuesday, November 18th 2025 at 20:24 GMT by Channel 3000

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Wisconsin Family Braces for Loss of ACA Tax Credits

A Wisconsin family is facing a hard reality that many Americans across the state may soon share: the loss of Affordable Care Act (ACA) tax credits that have helped keep health insurance affordable for years. The article, published on Channel 3000’s website, follows the Rojas family—parents Maria and Luis, and their two children, 5‑year‑old Santiago and 3‑year‑old Ana—as they grapple with the potential disappearance of the subsidy that has made their health plan possible.

The Substantial Savings They’ve Counted On

For the past seven years, the Rojas have relied on the federal tax credit to offset the monthly cost of a marketplace health plan purchased through the HealthCare.gov portal. The subsidy was based on a sliding scale tied to the family’s income and the cost of the “Silver” plan for the reference family, which is a three‑person household. In 2022, the Rojas’ family income of $47,000—just above Wisconsin’s low‑income threshold—qualified them for a credit that covered roughly 60 % of their plan’s premium. That translated into savings of about $120 a month, or $1,440 annually.

The family’s insurance policy, a 2023 Silver plan from Blue Cross Blue Shield of Wisconsin, covered essential health benefits including doctor visits, prescription drugs, and emergency services. Maria and Luis were originally drawn to the plan because the tax credit made it financially feasible, allowing them to keep their coverage without compromising other household expenses.

Why the Tax Credit Is at Risk

The article explains that the tax credit is being phased out due to a combination of federal and state policy shifts. First, the federal tax credit schedule has been adjusted as a result of the Inflation Reduction Act (IRA) and the ACA’s ongoing recalibration. Under the IRA, the subsidy is set to shrink by 10 % for many families with incomes above 400 % of the federal poverty level (FPL). The Rojas’ income falls within this bracket, meaning their subsidy could be cut by about $30 a month.

Second, the Wisconsin state government has not expanded Medicaid to cover low‑income adults without children, a policy that was previously a part of the federal expansion under the ACA. While the Rojas are already insured, the lack of a state Medicaid safety net means that families who lose their subsidies have fewer options.

The article also cites a 2024 report from the Wisconsin Health Institute, which estimates that up to 12 % of Wisconsin households could lose some or all of their ACA tax credit in the next two years. For families like the Rojas, this translates into a significant increase in out‑of‑pocket insurance costs, potentially making healthcare unaffordable.

The Emotional and Practical Impact

Maria Rojas describes the emotional toll: “We were so careful with our budget. We planned each month around the tax credit. If we lose that, it’s going to hit the kitchen and the kids’ care.” Luis adds that the uncertainty is stressful: “We’re not sure what the exact numbers will be yet. We’re waiting for the IRS notice, but it could be a big change.”

The family is already exploring alternatives. They are considering the lower‑premium “Bronze” plan, which would increase their monthly premium by about $25 but could qualify for a higher subsidy in future years. They also look at COBRA coverage, though the cost is much higher. The article quotes a local insurance broker who explains that many families are weighing the pros and cons of switching plans, but that a sudden loss of subsidies can be financially destabilizing.

Broader Context and Resources

Channel 3000’s piece goes beyond the Rojas, linking to additional resources for Wisconsin residents who may be facing a similar situation. A link to the Wisconsin Department of Health Services provides information on state and federal health insurance marketplaces, eligibility for Medicaid, and guidance on how to apply for tax credits. The article also links to a Wisconsin Health Insurance Exchange FAQ page that clarifies how subsidy changes affect monthly premiums and explains the new tax credit thresholds set by the federal government.

Furthermore, the article includes a side note on the impact of the Medicare Access and CHIP Reauthorization Act (MACRA), which is tightening eligibility for certain health subsidies. It explains that the changes to the “family reference” and the 400 % FPL ceiling mean that many families with incomes in the mid‑range will see a smaller share of their premiums covered by the government.

What Comes Next for the Rojas

The family’s next step is to check their eligibility for a new subsidy by submitting updated income information on HealthCare.gov before the 2024 open enrollment period, which begins on November 1st. They are also consulting with a state‑licensed health insurance agent who is working with other Wisconsin families to understand how the new subsidy rules will affect their coverage choices.

In conclusion, the Rojas family’s story is a micro‑cosm of a larger trend: many Wisconsin families, who have come to rely on ACA tax credits, are bracing for a change that will make health insurance more expensive. While the federal government’s policy shift has been announced, the exact financial impact on individual families is still unfolding. Local residents can use the resources highlighted in the article—state health services websites, marketplace tools, and insurance broker assistance—to navigate this uncertain landscape. The Rojas, like many others, hope that the new policy will not erode the gains that have kept essential health care within reach.