For now, the American Rescue Plan's health insurance provisions are temporary: The amnesty for repayment of excess premium tax credits only applies to 2020. The full premium tax credits and full cost-sharing reductions for people receiving unemployment benefits are only applicable for 2021. The elimination of the "subsidy cliff" is applicable for 2021 and 2022. The reduction in the percentage of income that people have to pay for the benchmark plan is applicable for 2021 and 2022. But it's possible that at least the enhanced premium tax credits (ie, the elimination of the subsidy cliff and the reduction in the percentage of income that people have to pay in after-subsidy premiums) could be made permanent as part of the infrastructure plan that the Biden administration is considering in 2021.