As insurance prices rise, families puzzle over options

New York-based performer Cyndi Freeman, 61, has been trying to figure out how to keep the Affordable Care Act (ACA) health plan that she and her husband depend on.

- By LYNN ARDITI KFF Health News

“If we didn’t have health issues, I'd just go back to where I was in my 40s and not have health insurance,” she said, “but we're not in that position now.”

Freeman and her husband, Brad Lawrence, are freelancers who work in storytelling and podcasting.

In October, Lawrence, 52, got very sick, very fast.

“I knew I was in trouble,” he said. “I went into the emergency room, and I walked over to the desk, and I said, ‘Hi, I've gained 25 pounds in five days and I'm having trouble breathing and my chest hurts.’ And they stopped blinking.”

Doctors diagnosed him with kidney disease, and he was hospitalized for four days.

Now Lawrence has to take medication with an average cost without insurance of $760 a month.

In January, the cost of the couple’s current “silver” plan rose nearly 75%, to $801 a month.

To bring in extra cash, Freeman has picked up a part-time bartending gig.

Millions of middle-class Americans who have ACA health plans are facing soaring premium payments in 2026, without help from the enhanced subsidies that Congress failed to renew. Some are contemplating big life changes to deal with new rates that kicked in on Jan. 1.

It often falls to women to figure out a family’s insurance puzzle.

Women generally use more health care than men, in part because of their need for reproductive services, according to Elizabeth Tobin-Tyler, a professor at Brown University's School of Public Health.

Women also tend to be the medical decision-makers for the family, she said, especially for the children.