Insurance Shake-Up: Who Loses Out?
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by Amanda Seitz
October 28, 2025
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7 min
7 Key Takeaways
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1
Premiums for ACA plans are rising significantly for many families.
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2
Federal subsidies for health coverage might expire at year-end.
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3
States are preparing for changes in insurance plans based on potential legislative actions.
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4
Enrollment for ACA plans starts on Nov. 1 for most states.
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5
Many consumers may opt to drop coverage due to higher costs.
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6
Insurers are adjusting premiums based on expected enrollment changes.
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7
Customers can change their plans during open enrollment.
Health insurance costs are set to rise dramatically across the United States, with certain families facing deductibles soaring from $800 to $20,000 and average monthly premiums increasing substantially. The expiration of federal subsidies at the end of the year, a stalemate in Congress, and the looming deadline for enrollment in Affordable Care Act (ACA) plans create uncertainty for millions. State officials are preparing contingency plans, but without legislative action, many are likely to drop coverage or face significant financial burdens.
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