Legislative updates

The “One Big Beautiful Bill”, signed into law on July 4, 2025 by the current administration, will bring sweeping changes to healthcare, food assistance, student loans, clean energy, and taxes — with most costs falling hardest on low- and middle-income Americans.
Beginning as early as October 2025, new rules will raise costs for insurance, limit access to SNAP and Medicaid, cap student loans, end clean energy incentives, and make permanent tax cuts for the wealthy while offering only temporary relief for working Americans.
We are tracking these changes so you can prepare and protect your access to care. Below is a timeline of when major changes will take effect.

TIMELINE OF KEY DATES

2025

  • September 30, 2025 – $7,500 electric vehicle tax credit expires.

  • Likely by October 1, 2025 – New SNAP work requirements for ages 54–64 and parents with children 14+.

  • November 1, 2025 – ACA Marketplace Open Enrollment begins; higher premiums for 2026 plans.

2026

  • January 1, 2026 –

    • Higher health insurance premiums begin for many Michiganders.

    • Residential clean energy tax credits and reimbursements end.

  • July 1, 2026 – Federal student loan caps take effect (Parent PLUS, graduate, and professional loans).

2027

  • January 1, 2027 – Medicaid:

    • New work/school/training requirements (20 hours/week) for ages 19–64, including parents of kids 14+.

    • Eligibility recertification required every 6 months (was annually).

  • October 1, 2027 – Potential SNAP benefit cuts as federal funding drops.

  • 2027 (date TBD) – Medicaid provider tax revenue ends, risking rural hospital closures.

2028

  • January 1, 2028 –

    • ACA Marketplace plans stop auto-renewing; annual re-enrollment required.

    • Federal investments in large-scale solar/wind fully phased out.

  • October 2028 – Medicaid copays increase (up to $35 per service).

2029+

2029–2035 – Gradual increase in household electricity costs and job losses in clean energy sectors.

WHAT THIS MEANS FOR YOU

Healthcare costs will rise – Higher premiums start in 2026 for many people, especially those on ACA Marketplace plans. Medicaid will add work requirements, more frequent eligibility checks, and higher copays.

  • Food assistance will be harder to get – New work rules for some SNAP recipients begin in October 2025; funding cuts could reduce benefits in 2027.

  • Student loans will be capped – New limits on federal loans for parents, graduate students, and professional degrees start July 2026, making private loans more likely.

  • Clean energy incentives will disappear – Tax credits for EVs end September 2025; home energy rebates end January 2026; federal funding for solar/wind ends January 2028.

Taxes will change – Temporary tax relief for tips and overtime expires in 2028; permanent tax breaks go to higher earners, while many working Americans may see net cost increases.