They're uninsured after Obamacare became too costly. They're far from alone.
Summary
Many Americans, including the Tobiassen family in North Carolina, are canceling their health insurance from the Affordable Care Act (ACA) because the costs have become too high. This rise in prices follows the end of extra government help that made insurance more affordable during the COVID pandemic.Key Facts
- The Tobiassen family used ACA insurance since 2014 but canceled it when monthly costs jumped from $130 to over $550.
- Expanded tax credits under the Biden administration's American Rescue Plan Act helped lower insurance costs during the COVID pandemic but expired at the end of 2025.
- ACA enrollment doubled to about 24 million when subsidies were active, but is expected to drop to as low as 16.5 million in 2026.
- North Carolina saw a 22% drop in ACA signups for 2026, the largest decrease among all states.
- The Tobiassens' two teenagers remain covered by Medicaid, a government program for low-income families.
- Losing ACA coverage poses significant financial risk to families due to potentially high medical bills.
- Nonprofit groups, such as Pisgah Legal Services, report many clients are dropping ACA insurance or choosing cheaper plans with less coverage this year.
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