It’s been a long year. Together, we’ve advocated fiercely for policies that enable our families and communities to thrive, and we’ve mobilized growing pressure on Republican leaders in Congress to roll back the devastating health care cuts passed in Trump’s Big Ugly Bill and to extend the expiring Affordable Care Act tax credits. It is thanks to the ACA tax credits and other policies that has helped bring the uninsured rate to a record low by making Marketplace coverage easier to access. In fact, health insurance enrollment more than doubled between 2020 and 2024—and over a million additional children signed up. 

But right now, millions of families are agonizing over what to do for health care in 2026 because Republican leaders in Congress and President Trump have failed to address this health care crisis of their making. MomsRising has been hearing from families all across the country about how this will impact them:

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"$41,627.99 a year. That is what the ACA plan for our family of four is set to cost for the 2026 year. An increase of $16,172.28 over 2025. We've relied on the ACA marketplace for our insurance since 2017. Our first premium was $1,297.55 per month. Next year it will be $3,468.99. We're on the same Silver plan we started with, but the deductibles on the plan have more than doubled since 2017. Higher premium AND higher out-of-pocket costs. The increase to our premium is not due only to the loss of the applied tax credit. In 2022, without a tax credit, our monthly premium was $2315.79. The tax credit WAS helping to mitigate the skyrocketing rise in premium over the past three years. I recognize we are luckier than many. But I assure you, we do not have an extra $16,000 laying around in our budget. I'm a cancer survivor and have asthma. My son is autistic. We cannot afford to be without insurance. I honestly have no idea what we're going to do for 2026."

- Angela, Washington, DC

"My kids and I have been getting insurance through the ACA since my husband suddenly became disabled, and had Medicaid for a year after he died. I've worked as a freelancer while raising my kids and during the several years of being my husband's caregiver, so I have no other access to insurance. (I've applied to numerous jobs with benefits, but apparently I'm too old to be hired full time!) The premiums on the ACA have been affordable because they're in proportion to my income (and family size). But if we lose the subsidies, the premium would skyrocket and it would be unaffordable. Everything else has become unaffordable too."

- P., Sommerville, MA

"I lost my job last year and I am now self employed and get my health insurance through the ACA. With subsidies last year my monthly premiums were $8 a month for a Silver rated plan. They are going up to $500 a month if the subsidies stay in place…$1500 a month without the subsidies." 

- Denese, Hollywood, FL

How can you help? Take action! Text ACA to (888) 418-5699 to call your representative now! Tell them to pass a clean extension of the expiring ACA tax credits!

How are cuts to health care and rising health care costs impacting your family? Share your experience with MomsRising!