ACA Premium Cliff
Enhanced ACA subsidies are set to expire, threatening to double health insurance costs for millions of Floridians — particularly those over 60.
The Problem
The enhanced ACA subsidies enacted in the American Rescue Plan and extended in the Inflation Reduction Act are set to expire — threatening to roughly double premiums for over 85,000 District 21 residents who depend on those plans, particularly those over 60.
Florida has the highest ACA marketplace enrollment in the country and the largest population of pre-Medicare retirees buying coverage on the exchange. The cliff hits us hardest.
Brian Mast — 9-Year Track Record
Talking points without legislation isn't representation.
What he’s actually gotten signed into law as the primary sponsor — across five congresses (2017–2026):
- 4
- bills became law in 9 years
- as primary sponsor
- 2
- of those just named buildings
- post office + VA hospital
- 1
- substantive policy bill
- 2017 VA reauthorization
- 0
- water-quality bills became law
- as primary sponsor
Source: production LegiScan database (sponsor + status records, queried April 2026) cross-checked against GovTrack and Congress.gov.
The Incumbent's Record
What Brian Mast Has Done
Brian Mast voted YES to repeal the ACA in 2017 (HR 1628 — the bill that would have let insurers charge older Americans 5x more) and voted NO on the Inflation Reduction Act in 2022 (which extended ACA subsidies, capped insulin at $35, and capped Medicare Part D out-of-pocket at $2,000).
Recorded Votes
- H.R. 1628American Health Care Act (ACA Repeal)Voted YES
Would have repealed the ACA. The bill's age-rating provision would have let insurers charge older Americans up to 5x more.
Passed House 217–213; died in Senate · 2017-05-04 - H.R. 5376Inflation Reduction ActVoted NO
Extended enhanced ACA premium subsidies through 2025; capped Medicare Part D out-of-pocket at $2,000; allowed Medicare drug-price negotiation; capped insulin at $35.
Passed 220–207; signed · 2022-08-12
What He Hasn't Done
- No public statement found on the looming 2025 subsidy cliff or its impact on FL-21 enrollees.
Compiled from House Clerk roll-call records and mast.house.gov press releases (May 2017, August 2022).
The Cooke Plan
What Alex Would Do
Specific. Sourced. Independent.
- 1
Make enhanced ACA subsidies permanent
Cosponsor permanent extension of the American Rescue Plan / IRA enhanced premium tax credits. Without action, FL-21 residents over 60 face $4,000+/year increases.
- 2
Reinsurance pool for individual market
Federal reinsurance for high-cost ACA marketplace enrollees — pricing stability for the entire pool. Modeled on what worked in Alaska, Maine, and Minnesota.
- 3
Cap drug out-of-pocket for everyone, not just Medicare
Extend the IRA's $2,000 Part D out-of-pocket cap to ACA marketplace plans. Stops the bankruptcy-via-prescription pattern that hits Florida retirees particularly hard.
Stand with Alex on this.
Independent. No party. No PACs. Real fixes for Florida District 21.