Imagine you're one of the millions of Americans who rely on health insurance subsidies from the Affordable Care Act (ACA). These subsidies, which help lower the cost of premiums, are set to expire at the end of 2025. If Congress doesn't renew them, you might be in trouble. The Congressional Budget Office says about 3. 4 million people could lose their insurance. This is a big deal, especially with a new presidential term starting in January. The ACA, introduced by President Barack Obama, has been a hot topic. It let many uninsured Americans get coverage, expanded Medicaid, and stopped insurance companies from denying coverage to people with preexisting conditions.

Experts say if the subsidies aren't renewed, premiums could double or even triple in some areas. That means many people might drop their coverage because they can't afford it. This could reverse the progress made in reducing differences in health care access between different racial and ethnic groups. But not everyone agrees on the ACA. Some people think those at higher risk should pay more for coverage.

Pregnant mothers, children, and people with preexisting conditions are also at risk. There are still some gaps in the current system, though. Some people don't qualify for tax subsidies or Medicaid, leaving them without health insurance. Experts say any changes to the ACA would need to be slow and careful.

Political science professor Robert Shapiro thinks there might be a fight over the ACA and its subsidies. But finance expert Kevin Thompson says lawmakers might still re-approve the subsidies. Trump has talked about replacing the ACA with his own plan, but he hasn't shown a clear plan yet. Health care is complicated, and getting it wrong could hurt his legacy.

Health Insurance Renewal: Millions May Lose Coverage

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