There have been many attempts to repeal and replace the Affordable Care Act, and there continues to be a huge amount of preliminary discussion about what changes should be made. Until a different proposal is passed by Congress, the Affordable Care Act remains the law of the land.
Because the issues surrounding the cost-sharing subsidies are unresolved, there is great financial instability in the individual health insurance market. Unfortunately, the instability translates to higher premiums for consumers. The good news is that consumers who qualify for a tax credit won’t be hit as hard, because their higher premiums will generally be absorbed by a higher tax credit.