Ashley Moody voted at least five times against extending the enhanced Affordable Care Act tax credits, including on June 30, 2025 and December 11, 2025, and the credits expired on December 31, 2025. In 2026 the amount enrollees paid in premiums rose 58 percent on average, and the average deductible reached a record as people moved to cheaper plans with higher out-of-pocket costs.
Moody also cast one of the 50 votes that passed the One Big Beautiful Bill Act, which makes enrollees repay excess credits in full starting with tax year 2026 and, from 2028, effectively ends auto-renewals of marketplace coverage. Insurers in Florida have requested increases of up to 39.14 percent for 2027.
Ashley Moody's Votes on Health Insurance Costs
- Moody Voted Against Extending the Premium Tax Credits Three Weeks Before They Expired, in December 2025. On December 11, 2025, Ashley Moody voted against advancing S. 3385, which would have kept the enhanced premium tax credits through 2028 by moving their end date to January 1, 2029. It got 51 votes, short of the 60 needed. The credits expired on December 31, and the average benchmark premium before credits had already jumped from $497 per month in 2025 to $625 in 2026.
- Moody Voted Against Extending the Premium Tax Credits in the One Big Beautiful Bill Act in June 2025. On June 30, 2025, Moody voted no on an amendment to "extend the enhanced premium tax credits and increase the individual tax rate for taxpayers with income over $10,000,000." All 53 Republican senators voted no. After the credits expired, what enrollees paid in premiums rose 58% on average, from $113 to $178 a month, and average deductibles reached a record $3,786.
- Moody Voted Against Making the Premium Tax Credits Permanent in Fall 2025. On September 30, 2025, Moody voted no on S. 2882, a funding bill with a permanent extension of enhanced tax credit, and voted against taking it up again on October 1 and October 9. Two-thirds of the public, 67%, said in January 2026 that Congress did the wrong thing by not extending the credits.
- Moody Cast a Deciding Vote for Marketplace Changes That Make Enrollees Repay Credits and End Automatic Renewal, in July 2025. On July 1, 2025, Moody voted for H.R. 1, which passed 50 to 50 with the Vice President breaking the tie. Starting with tax year 2026 it removes the caps on repaying excess advance credits, so a family whose income rises during the year owes the full difference at tax time. From 2028 its new verification rule effectively ends auto-renewals, which the Congressional Budget Office estimates will leave 700,000 more people uninsured.
- Moody Voted Against Rules Targeting Insurers That Delay or Deny Care and Out-of-Pocket Costs, in April 2026. On April 22, 2026, Moody voted no on a point of order against budget legislation that fails to address "the practice of insurance companies stepping between patients and their doctors to delay or deny access to care." It failed 49 to 49, short of the 60 votes needed. The same day she voted no on a point of order against budget legislation that "does not lower out-of-pocket health care costs," which failed 48 to 50. The budget resolution then went forward without either protection, as insurers requested a median premium increase of 15% for 2027.
- Moody Voted to Keep the Administration's Marketplace Paperwork Rule in January 2026. On January 13, 2026, Moody voted against taking up S.J.Res. 84 to overturn the Centers for Medicare & Medicaid Services' marketplace rule, which added stricter enrollment and eligibility procedures, including additional verification of income. The agency estimated it would add between 725,000 and 1.8 million uninsured people in 2026; many of its requirements are on hold due to pending litigation.
- Moody Voted to Confirm Mehmet Oz, Whose Agency Tightened Marketplace Enrollment and Promotes Short-Term Plans, in April 2025. On April 3, 2025, Moody voted to confirm Mehmet Oz to run the Centers for Medicare & Medicaid Services. His agency is working to make it easier to enroll in short-term plans that, unlike marketplace insurance, can reject consumers based on their medical history.
- Moody Voted Against Preserving the Premium Tax Credits in February 2025. On February 21, 2025, Moody voted no on an amendment for a reserve fund "preserving and extending" the enhanced premium tax credits. It failed 48 to 52. It was the first of the votes on the credits, which went on to expire at the end of 2025.
What Higher Insurance Costs Under Ashley Moody's Votes Mean for Florida
- Coverage dropped. Florida's effectuated marketplace enrollment fell 10 percent, from 4,292,372 in 2025 to 3,849,587 in 2026, in the largest marketplace in the country; an AP analysis found 442,785 Floridians who had marketplace coverage in 2025 were uninsured in 2026. Florida health advocates say 4.7 million Floridians had relied on the enhanced credits.
- 2027 requests. Twelve Florida marketplace insurers have requested 2027 rate changes ranging from 3.87 percent (Centene Venture Company Florida) to 39.14 percent (AmeriHealth Caritas Florida); these are requests, and the Florida Office of Insurance Regulation sets final rates.
Frequently Asked Questions About Ashley Moody on Insurance costs
What is Ashley Moody's record on health insurance costs under Trump?
Ashley Moody voted against extending the enhanced Affordable Care Act premium tax credits in June, September and December 2025, and the credits expired at the end of 2025. Moody also voted for the One Big Beautiful Bill Act, which ends automatic renewal of marketplace plans from 2028, and Florida's marketplace, the largest in the country, lost about one in ten enrollees in 2026.
Why did health insurance premiums go up for Floridians in the marketplace in 2026, and how did Ashley Moody vote?
Ashley Moody voted against extending the enhanced premium tax credits, and KFF found that when they expired, premium payments rose sharply for many enrollees. Insurers say the loss of healthier enrollees is pushing 2027 rates up again: Peterson-KFF analysts cite the expiration of enhanced premium tax credits at the end of 2025 and a related increase in the risk pool's morbidity.
Did most Floridians support extending the Obamacare tax credits that Ashley Moody voted against?
Yes. A Tyson Group survey released in October 2025 found 73% of all Floridians support extending the tax credits, including 60% of Republicans, two months before Ashley Moody voted against advancing a three-year extension on December 11, 2025. Nationally, 67% of the public told KFF in January 2026 that Congress did the "wrong thing" by not extending them.
Last updated: 2026-10-25