Health care costs in the United States are on the rise, causing significant stress for many people. The end of Affordable Care Act (ACA) subsidies is a major concern for millions, including small business owners like Andy Lilienthal and Alaina Shearer. Without subsidies, their monthly insurance premiums could double, making it difficult to afford other essential expenses.

The recent government shutdown highlighted the political divide over health care. While Democrats pushed to extend ACA subsidies, Republicans opposed the measure, leaving millions uncertain about their health care future. The subsidies are set to end in December 2025, and lawmakers are scrambling to find solutions.

A recent study by West Health-Gallup found that Americans are more anxious about health care costs than ever before. Nearly half of the adults surveyed worry they won't be able to afford health care in 2026. Many are skipping medical treatments or prescriptions due to high costs.

Alaina Shearer, a boutique ad agency owner, is considering going without health insurance for the first time in her adult life. Her current plan will increase from $1, 295 to $1, 695 per month in 2026, with a $20, 000 deductible. She's exploring alternative options, like paying cash for medical services, but fears the consequences of an emergency or serious illness.

Deborah Kevin, a small business owner in Baltimore, is also struggling with rising health care costs. Her monthly premium will jump from $365 to nearly $1, 600 in 2026 without subsidies. She's questioning what kind of care she'll be able to afford and how to absorb the increased costs.

The United States spends more per person on health care than any other high-income country, yet has the lowest life expectancy among large, wealthy nations. High hospital service prices and insurance company profits contribute to the high costs, but many Americans are left wondering how to afford necessary care.

INSURANCE AFFORDABILITY

Health Care Costs: A Growing Concern for Many Americans

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