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90+ Physician Organizations Urge Extension of Enhanced Premium Tax Credits
September 19, 2025
AMA Advocacy Update
The AMA, along with more than 90 national medical specialty societies and state medical associations, sent a joint letter to congressional leadership urging expansion of the enhanced advance premium tax credits (APTCs). These credits have helped more than 24 million Americans afford coverage through the Health Insurance Marketplace in 2025, including many older patients, those in rural areas, and small business owners.
Without congressional action, the consequences would be severe. The Congressional Budget Office estimates that 4.2 million people would lose coverage, and many would face steep premium hikes -- for example, $2,600 more annually for a family of four earning $64,000 and nearly $17,500 more for a 60-year-old couple earning $80,000. Even patients not receiving APTCs would be impacted as the expiration would destabilize the marketplace and drive overall premiums higher.
The letter highlights the importance of Congress acting in a way that gives patients, insurers and physicians certainty in advance of the 2026 coverage year. Extending the enhanced credits will help preserve affordability, sustain coverage levels and limit uncompensated care costs for physician practices nationwide. The AMA will continue to advocate strongly for this critical policy.
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Government Shutdown: What Physicians Need to Know
Excerpted from Oct. 1 email from AMA CEO and Executive Vice President John Whyte, MD, MPH
According to the Centers for Medicare & Medicaid Services (CMS) contingency plan, during a lapse in funding, the Medicare program will continue. CMS has sufficient funding for Medicaid to fund the first quarter of FY 2026, based on the advance appropriation provided for in the Full-Year Continuing Appropriations and Extensions Act, 2025. CMS is maintaining the staff necessary to make payments to eligible states for the Children's Health Insurance Program (CHIP). CMS is also continuing Federal Marketplace activities, such as eligibility verification, using Federal Marketplace user fee carryover. Other non-discretionary activities including Health Care Fraud and Abuse Control (HFAC) and Center for Medicare & Medicaid Innovation (CMMI) activities are also continuing.
During the shutdown, CMS expects slowdowns or suspensions of the following agency activities: (1) health care facility survey and certification, (2) policy development and rulemaking, (3) contract oversight, (4) outreach and education, and (5) beneficiary casework. CMS retains 53% of its staff to continue essential operations, while 47% of agency staff are being furloughed.
In the past, Congress generally has restored lapsed policies back to the effective date of the shutdown. During the shutdown the AMA is monitoring any potential delays in Medicare claims processing or other Medicare payment problems that could result from federal staffing reductions at CMS, including during the shutdown. Physicians and medical practice staff who experience Medicare payment delays or other obstacles that could be tied to reduced staffing levels at the agency or its Medicare Administrative Contractors (MACs) are asked to inform AMA advocacy staff of these problems by emailing ama.advocacy@ama-assn.org and including the subject heading "Medicare Payment Delay."
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