Millions of Americans face significantly higher health insurance premiums in 2026 as enhanced Affordable Care Act subsidies expire. Families like the Saffords, currently paying $278 monthly, could see costs surge to $1800. The Republican-controlled Congress has not extended these subsidies, impacting over 22 million people who benefited from the American Rescue Plan and Inflation Reduction Act. This could lead to nearly 4 million losing coverage by 2026, forcing many to choose high-deductible plans with higher out-of-pocket costs. While Congress may still act, the uncertainty causes significant anxiety for millions.

Prepared by Olivia Bennett and reviewed by editorial team.