Congress flees town as health care premiums set to explode for millions of Americans in January

Congress failed to fix soaring health care premiums before leaving for recess, setting up a big political battle in 2026 as costs spike for millions.

The U.S .Capitol Christmas Tree seen on the building's West Lawn in Washington D.C., Dec. 3, 2025. (Celal Gunes/Anadolu via Getty Images)

Freshman Rep. Ryan Mackenzie, R-Pa., beat former Rep. Susan Wild, D-Pa., by one point in 2024, flipping the district from blue to red. Last week, Mackenzie became one of four House Republicans who rebelled against top Republican leaders –  and aligning with Democrats – to renew Obamacare subsidies. 

The "Fed Up 4" signed what’s called a "discharge petition." This is a maneuver to go around the Speaker and put a bill on the floor – if the Speaker won’t. Democrats pushed a discharge petition to re-up the expiring subsidies for three years. But they needed four Republicans to join them in their parliamentary guerilla tactic to take this out of the hands of the Speaker. 

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"There is no silver bullet. If there was, either party would have done it," said Mackenze.

When asked about the politics of this in his battleground district, Mackenzie replied that "we have a long way to go before the midterms."

Discharge petitions don’t ripen for a vote immediately. The House must wait seven legislative days before consideration. The House is out until January 6, 2027. After two days to trigger the discharge petition, the House may consider this maneuver around January 8 or 9. 

But even one top House Republican believes this coalition of Democrats and few Republicans will succeed in January.

"My gut tells me that the COVID era subsidies, because we had the four members of the House sign onto that discharge petition, that it probably will pass," predicted House Republican Conference Chairwoman Lisa McClain (R-MI) on Fox Business. 

But the Senate blocked a similar plan earlier this month. That’s why Democrats are skeptical that Congress can fix the problem once premiums explode in the new year. 

"Huge damage has already been done. And nothing we do after January 1st can undo so much of that damage," said Senate Minority Leader Chuck Schumer, D-N.Y.

Some Republicans advocate a complete legislative overhaul of health care next year. 

"What is different, though, about 2026 on health care compared to 2025 about health care? Why does this suddenly change?" yours truly asked Sen. Lindsey Graham, R-S.C.

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"There won't be anything different if you keep doing the same old thing. So that's the point," said Graham.

But he added that there was a "deal to be had" on health care.

Only a bipartisan health care bill can overcome a Senate filibuster. That’s why the Senate nuked separate Democratic and Republican plans a few weeks ago. Some Republicans are now advocating going it alone on health care next year. They can do that – if they use a special budget process called "reconciliation." Via reconciliation, senators can pass a bill with just a simple majority. But the measure must be budget neutral over a decade and just pertain to fiscal policy.

Some Republicans prefer this path. They believe President Trump would sign a partisan bill.

"The only way for us to be able to lower the cost of health care is to do another reconciliation bill," said Sen. John Kennedy (R-La.), referring to the mechanism the GOP used to pass the Big Beautiful Bill. Democrats also deployed reconciliation to pass Obamacare. 

"For the life of me, I cannot figure out why my friend (Senate Majority Leader John) Thune, R-S.D., will not agree to do another reconciliation bill," continued Kennedy. "Why would you give up the chance to put together a sound social and economic policy when you only need 51 votes to do it.? Why would you give that up?"

A runner jogs past the U.S. Capitol shortly after sunrise, Tuesday, Dec. 16, 2025, in Washington. (Julia Demaree Nikhinson/AP Photo)

"What we have seen is Leader Jeffries withholding his votes from the bipartisan efforts. He actually held his Members back," accused Mackenzie.

Democrats wouldn’t fund the government this fall in their quest to renew the Obamacare credits. Another funding deadline awaits on January 30. Sen. Peter Welch, D-Vt., doubted Democrats would revert to their health care demand ahead of this funding cycle. 

"It’s a different time frame," said Welch.

We’ll know soon enough. Spending bills still aren’t ready. The Senate tried to advance a batch of them last week – but ran into opposition. 

Remember that several Senate Democrats helped end the government shutdown by securing an agreement with Thune to hold a vote on health care. Well, they got their vote. But that didn’t fix anything. 

So there will be a vote on health care via the health care discharge petition in January. But a House vote does not mean passage. And it doesn’t mean adoption in the Senate.  

It’s just a vote. 

As McClain forecasts, this may pass. But what about the Senate?

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Wait til next year.

We’ll know in early 2026.

Chad Pergram currently serves as Chief Congressional Correspondent for FOX News Channel (FNC). He joined the network in September 2007 and is based out of Washington, D.C.

https://www.foxnews.com/politics/congress-flees-town-health-care-premiums-set-explode-millions-americans-january