When health insurance is as expensive as a mortgage payment : NPR

When health insurance is as expensive as a mortgage payment : NPR

NPR nation

Key Points:

  • Parveen Vohra and Ken Warner, a self-employed couple in their mid-50s from Manchester, Conn., faced high medical and home repair expenses in 2025, including surgeries and home maintenance, covered partially by ACA marketplace insurance with significant out-of-pocket costs.
  • With the expiration of enhanced federal subsidies, their monthly health insurance premiums skyrocketed from $730 in 2025 to over $2,500 in 2026, comparable to an average U.S. mortgage payment, creating severe financial strain.
  • Many ACA enrollees are coping with doubled premiums by cutting household expenses, taking extra jobs, or incurring debt, with a notable portion considering dropping coverage due to affordability concerns, leading to over a million fewer ACA sign

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