The Affordable Care Act (ACA) exchanges have set new records for enrollment, with 14.5 million people enrolling or automatically reenrolling in health insurance during the 2022 open enrollment period, per CMS. New enrollments increased by 2.5 million, or 21%, compared to 2021. Due in part to the enhanced premium subsidies made available as part of the American Rescue Plan Act, the number of enrollees receiving advance premium tax credits (APTC) increased by 2.8 million compared to 2021. According to CMS, the average monthly 2022 premium for HealthCare.gov enrollees was $111. If consumers had not received the additional tax credits, the average monthly premium after APTC for HealthCare.gov consumers would have been 53% higher, or $170, per a press release issued on the ACA’s 12th anniversary. The enhanced APTCs are set to expire at the end of the 2022 plan year, though Congress has considered proposals to make them permanent.