For your neighbors who buy health insurance on the Affordable Care Act (ACA) exchange, how much will their rates increase next year? With the pending expiration of the tax credits, it depends on your neighborhood, according to a recent analysis (see Which Congressional Districts Could See The Greatest ACA Premium Payment Increases?).

Like everything else in the U.S. health care system, it’s complicated. Without tax credits, the out-of-pocket premium for an individual, age 40, with an annual income of $32,000, would rise by $122; per month, or about three times the premium payment with enhanced tax credits (see How Much More Would People Pay In Premiums If the ACA’s Enhanced Premium Tax Credits Expire?).

Premiums would increase most for older…