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Story perspectives

Millions Face Insurance Loss as ACA Subsidies Expire

4/18/2026

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Story summary
  • The expiration of expanded Affordable Care Act subsidies coincides with rising health care costs.
  • A survey finds one-third of Americans trade off care, with some skipping meals.
  • Congress has not acted to restore subsidies, leaving millions at risk of losing insurance.
  • The average deductible for employer-based plans has risen to nearly $1,900.
  • Experts say high hospital costs and for-profit insurance models drive U.S. health care spending higher with poorer outcomes.