The rising cost of health insurance is causing concern among many Americans, particularly those who rely on Affordable Care Act (ACA) plans. If Congress fails to take action, tax credits that have helped many people pay for health insurance will disappear, causing premiums to more than double for subsidized enrollees. This will affect people who are self-employed, work at small businesses, and have part-time jobs.
Many individuals, including Debbie Dalke, Katie McKibben, and Kathleen Frey, are worried about the impact of rising health insurance costs on their families and communities. Dalke is concerned about her mother-in-law, who has dementia and relies on Medicaid, while McKibben is worried about a family member with substance abuse issues. Frey, who has a child with a rare congenital disease, is concerned about the potential loss of local hospital care and the impact on rural communities.
The complexity of health insurance programs is also a major issue, with many people finding it difficult to navigate their options. Misleading ads and lack of clear information are adding to the confusion. Laura Wicks, co-owner of a small business, struggles to provide health insurance for her employees due to the high cost, while Monica Gonzalez, an employee, finds it difficult to afford private health insurance.
The rising costs could have a ripple effect, with younger, healthier people opting out of insurance, leading to higher costs for those who remain insured. This could also lead to hospital closures, particularly in rural areas, and increased costs for the government. The number of people relying on ACA health insurance has increased significantly since the pandemic, with over 24 million people enrolled in marketplace plans in 2025.
The “One Big Beautiful Bill Act” could trigger across-the-board spending cuts, including to Medicare, if it increases the federal deficit. The act also specifies new work requirements for Medicaid recipients, which could lead to many people losing their insurance due to confusion or bureaucratic hurdles.
Dalke and McKibben have tried to meet with their congressman, Bob Latta, to express their concerns, but were met with a staff person instead. They are still awaiting a response from Latta. Democrats have demanded that ACA subsidies be extended, but Republicans have refused. The issue remains unresolved, leaving many people uncertain about their health insurance options and worried about the future of healthcare in the US.