NEW YORK (AP) — The expiration of government-sponsored health subsidies is set to force families across the U.S. into difficult decisions regarding their health insurance. For some, it means downgrading to less comprehensive plans, while others face the grim reality of going without insurance altogether.
In Wisconsin, a couple is forced to shift from a top-tier gold plan to a bronze plan that comes with a much higher deductible. Chad and Kelley Bruns, retirees from Sawyer County, have always prided themselves on frugality but now find themselves worrying about the financial implications of potential health crises. Their monthly plan cost is projected to rise from $2 to $1,600, leading them to a new out-of-pocket maximum of $21,000.
Meanwhile, in Michigan, Dave Roof's family of four has relied on Affordable Care Act (ACA) coverage since its inception. Following the loss of subsidies, Roof anticipates his insurance costs soaring from $500 to at least $700 per month, a figure that they cannot afford on their income of $75,000. Compounded by the need for savings, they are reluctantly planning to forgo health insurance in 2026.
In Nevada, single mother Katelin Provost faces a staggering jump in her monthly insurance fee from $85 to nearly $750. The challenge forces her to reconsider her financial priorities as she navigates housing, groceries, and childcare costs. If Congress fails to act, she may drop her own coverage to preserve insurance for her daughter.
As the clock ticks down on subsidy expiration, they join a growing number of Americans bracing for a health insurance landscape that is more expensive and less comprehensive.
