Olszewski to Bring Constituent Facing $12,000 ACA Premium Increase to President’s State of the Union Address
Hampstead retiree says loss of tax credits is forcing painful healthcare costs
(Washington, DC) – Congressman Johnny Olszewski (MD-02) announced that Carroll County resident Michael Zabetakis will be his guest at President Donald Trump’s State of the Union address to Congress tomorrow night. Zabetakis, a retired electrical engineering technician from Hampstead, is facing a $12,000 annual increase in health insurance premiums following the expiration of enhanced Affordable Care Act (ACA) tax credits.
The tax credits, which helped millions of Americans afford coverage through the ACA marketplace, expired at the end of 2025. As a result, many middle-class families, seniors, and early retirees have seen sharp premium increases this year. Last month, the U.S. House of Representatives passed a three-year extension of the credits with Congressman Olszewski’s support. The legislation has not been taken up by the Senate amid strong opposition from President Trump.
Zabetakis said his monthly premium soared from $500 in 2025 to $1,500 this year.
“I want the President to see Michael sitting in the gallery as someone representing millions of Americans who did everything right but are now being forced to shoulder crushing healthcare costs – all because he and Republican leadership in Congress failed to act," Congressman Olszewski said. “I want President Trump to see there are real people who worked hard, paid taxes, and played by the rules but are being left behind by his Administration. While the ultra-wealthy get massive tax breaks, retirees are forced to choose between financial stability and access to a doctor.”
“Losing our ACA credits was a significant hit against our retirement spending, especially on top of the high cost of groceries and the electric bill,” Zabetakis said. “Our premiums tripled overnight. That’s money that was supposed to go toward enjoying our retirement and time with our family. Instead, it’s going to insurance bills. Americans like me are not asking for special treatment. We’re asking for stability and fairness.”
Congressman Olszewski is one of only a handful of Maryland Democrats expected to attend tonight’s address.
“I respect the office of the Presidency and our democratic system rooted in three coequal branches,” Congressman Olszewski said. “I truly hope President Trump finally presents a realistic plan to help families like Michael’s – many of whom are struggling to afford even the most basic of necessities.”