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The Guardian - US
The Guardian - US
World
Eric Berger

Obamacare expiration will have ‘death spiral’ effect on US healthcare – experts

a person points to a poster showing increased health care costs
Chuck Schumer speaks about potential increases in health care premiums if Affordable Care Act subsidies expire at a press conference in Washington DC on 15 October 2025. Photograph: Nathan Posner/Anadolu via Getty Images

With subsidies for Affordable Care Act (ACA) health insurance set to expire, Americans who rely on them will probably switch to plans with lower monthly premiums and high deductibles or decide not to purchase any coverage, which will have a serious and damaging impact on the entire sector, according to healthcare policy experts.

The average amount ACA plan enrollees pay annually for premiums is estimated to more than double, from an average of $888 this year to $1,904 in 2026, according to a KFF analysis.

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