Covered California has opened enrollment for 2026, but many Californians could soon face steep premium hikes if enhanced federal subsidies expire at the end of the year.

According to data shared with CBS 8, the average monthly premium in San Diego County could jump from $224 to $349 — a 76% increase — without the extended federal tax credits that have helped lower- and middle-income families afford coverage since 2021.

As of June, more than 147,000 San Diegans were insured through Covered California, with over 125,000 receiving financial assistance. Enrollment has surged roughly 26% across the county since the premium credits began three years ago.

U.S. Congressman Mike Levin said his office is already hearing from constituents facing sharp increases. “It’s extremely real,” Levin told CBS 8. “People have received letters from Covered California showing premiums doubling or tripling. One constituent told me their monthly bill will rise from $500 to over $1,000.”

The credits are set to lapse because President Trump’s proposed “Big Beautiful Bill” did not include an extension — a key sticking point in ongoing budget negotiations on Capitol Hill.

Levin stressed the importance of maintaining the subsidies to keep coverage affordable. “Since I’ve been in Congress, the number of people receiving care under the ACA has nearly doubled—from about 11 million to more than 20 million—and these credits are a big reason why,” he said. “They’re not a permanent fix, but they’re essential for affordability in the short term.”

Jessica Altman, Executive Director of Covered California, urged residents not to delay in exploring their options. “Open enrollment is here, and nearly 148,000 San Diegans can shop, compare, and find the right health plan for themselves and their families,” Altman said in a statement. “If Congress does not act, premiums could rise 76% on average. Despite the uncertainty, many affordable options remain, and Covered California is here to help.”

Open enrollment runs through January 31, giving consumers time to review plans and secure coverage for 2026.