Health Insurance Crisis: Millions Face Higher Costs and Tough Choices

Sun Dec 14 2025 01:24:21 GMT+0200 (Eastern European Standard Time)

With the expiration of COVID-era health insurance tax credits looming, families across the U.S. are bracing for rising premiums and difficult decisions about their healthcare coverage. Struggling to manage skyrocketing costs, many will have to choose between lower-quality plans or forgoing coverage altogether.

The upcoming expiration of government health insurance subsidies is forcing many families to face severe financial strain, leading them to downgrade their plans or remove their insurance entirely. This article details the experiences of several individuals and families adjusting to overwhelming healthcare costs due to the loss of critical tax credits that have been instrumental over the past four years.

Millions of Americans are preparing for daunting changes to their health insurance plans due to the impending expiration of COVID-era enhanced tax credits. As legislative efforts to extend these subsidies fail, families report having to grapple with significantly higher premiums, lower coverage, and in some cases, the absence of insurance altogether.

In Wisconsin, Chad and Kelley Bruns, both retirees, are confronted with the harsh reality of transitioning from a top-tier gold-level plan costing just $2 a month to a bronze plan with a staggering $1,600 premium and a $15,000 deductible. Moreover, their joint income cannot support their potential new out-of-pocket maximum of $21,000.

In Michigan, Dave Roof's family has relied on the Affordable Care Act (ACA) since its inception but is now facing a shocking increase in their insurance premiums from $500 to at least $700 per month, compelling them to consider dropping their health insurance entirely and paying out-of-pocket as needed.

Meanwhile, Katelin Provost, a single mother in Nevada, finds herself in a dire situation as her plan’s monthly cost skyrockets from $85 to nearly $750. Anticipating the impact on her tight budget, she is left contemplating the possibility of cancelling her coverage if the situation does not improve.

The urgency of the issue is underscored by a looming deadline, with many families worried about the long-term health consequences that could arise from their new financial realities. As Congress remains stalled on addressing the subsidy situation, the burden on these families is expected to grow.