As enhanced ACA subsidies are set to lapse at year’s end, Americans from Arkansas to Denver say soaring premiums are pushing them to drop coverage and gamble on savings or co-ops. One couple’s $1,500 premium falls to $450 with credits, but a 26% rate hike and possible subsidy loss could more than triple costs. The CBO projects nearly 4 million could leave the market if credits expire. Open enrollment looms as Washington stalls, and Democrats say they won’t vote to reopen the government unless the tax credits are extended.

Prepared by Olivia Bennett and reviewed by editorial team.