Nov. 1, 2019: Millions of consumers face additional, sharp increases in what they must pay to get coverage, as well as for deductibles and out-of-pocket costs, as the ACA tax credits are replaced with less-generous ones and “cost-sharing subsidies” are repealed without any substitute. Consumers in the marketplace will receive an average of $2,200 less in premium tax credits, according to forecasts from the Center on Budget and Policy Priorities; in 12 high-cost states, the average drop will be at least $3,000. For older and sicker consumers, the price tag is even higher . Meanwhile, deductibles and other out-of-pocket costs rise by an average of $1,200 per consumer. For example, a low-income 60-year-old in West Virginia ends up paying nearly $12,000 more per year for insurance, while her other out-of-pocket costs increase by an additional $1,400.