The Trump administration plans to mail $500 checks beginning in October to about 1 million Affordable Care Act enrollees in 30 states using Healthcare.gov. President Donald Trump alleged, without providing evidence, that the Biden administration overcharged people on the federal exchange. The White House said $500 million in excess user fees paid by insurers would finance the payments. Only people without federal ACA subsidies will qualify, excluding about 18 million people. It remains unclear whether the administration has authority to direct the funds to selected states or how the plan would interact with the ACA's medical loss ratio rebate system. The announcement follows the expiration of enhanced ACA subsidies at the end of 2025, after which average monthly premiums for subsidized and unsubsidized plans rose to $178 in 2026 from $113. Trump separately pledged $5,000 to every U.S. adult if Republicans win the midterm elections.