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Health Insurance Crisis Looms as Subsidies Expire for Young Adults

10/26/2025

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Summary

Story summary

Chloe Chalakani, a 31-year-old business owner in Thomaston, Maine, faces rising health insurance costs as subsidies expire in December.
She pays $460 monthly for a high-deductible plan.
Open enrollment begins November 1, and health policy experts warn that without congressional action, younger, healthier people dropping out, like Chloe Chalakani who plans to go uninsured in 2026, could trigger a death spiral in Affordable Care Act (ACA) markets.

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Story summary

Chloe Chalakani, a 31-year-old business owner in Thomaston, Maine, faces rising health insurance costs as subsidies expire in December.
She pays $460 monthly for a high-deductible plan.
Open enrollment begins November 1, and health policy experts warn that without congressional action, younger, healthier people dropping out, like Chloe Chalakani who plans to go uninsured in 2026, could trigger a death spiral in Affordable Care Act (ACA) markets.