"I don't know how I'm going to pay for this," said one person with an Affordable Care Act plan that will cost her $1,100 a month starting in January.

A Republican call to give Americans cash instead of health insurance subsidies revives an old idea that has left millions with medical debt.

If the enhanced credits currently available to Affordable Care Act (ACA) Marketplace enrollees are allowed to expire for 2026, the Urban Foundation predicts that 7.3 million people will lose their subsidies. Roughly 4.8 million people could become uninsured entirely.

Short-term insurance plans are typically cheaper than ACA coverage, costing about half as much as a plan sold on state-run marketplaces created by Obamacare. As The Washington Post notes, a 40-year-old nonsmoker in Florida can secure ACA coverage for about $500 a month, while a short-term plan would cost said person about $320.

Despite being in control of the White House and Congress, Republicans have been unable to pass their health care agenda. We look at why that's the case, as well as a new lawsuit against the president.

The IRS sets restrictions on the use of HSAs, which are typically managed by banks or health insurance companies. For starters, on the ACA marketplace, they are available only to those with the highest-deductible health insurance plans — the bronze and catastrophic plans.

Higher premiums "will result in cutbacks in overall spending,” especially among middle- and low-income families relying on tax credits to cover plans through the Affordable Care Act, said Martin Melkonian, an economist at Hofstra University in Hempstead. “I think there are many folks living on the edge at this moment," Melkonian said.

We’re in the open enrollment period, when people choose what health insurance they’ll have for the next year. But the process can often be overwhelming and confusing.

For 2026, the plan features significantly lower out-of-pocket costs for members who use the plan’s “narrow network” that limits choice.

Lance Boyer, sales director of financial products for the North Dakota Farmers Union, talks about expiring Affordable Care Act premium tax credits during the annual meeting of the North Dakota Farmers Union on Dec.