Obamacare premiums are crushing American families with a devastating 26% spike, forcing millions to choose between healthcare coverage and putting food on the table as Joe Biden’s failed policies continue wreaking havoc even after Trump takes office.
Story Highlights
- ACA premiums surge 26% to $625 monthly average, the biggest jump since 2018.
- Premium tax credits expire at the end of 2025, threatening to double costs for 22 million Americans.
- Kansas family faces $2,600 monthly premium increase, forcing impossible financial choices.
- Expensive weight-loss drugs and hospital price gouging drive rising healthcare costs.
Biden’s Healthcare Legacy Devastates Working Families
The Affordable Care Act marketplaces opened on November 1st with crushing news for 24 million Americans relying on ACA coverage. Average premiums for mid-level silver plans skyrocketed to $625 per month, representing a staggering 26% increase according to KFF research.
This massive spike marks the largest premium hike since 2018, demonstrating how Biden’s economic mismanagement continues punishing hardworking families even as President Trump prepares to clean up the mess.
How are those insurance companies making out?
Still "profitable" ?
Democrats caused every single bit of this pain. Obamacare was their nightmare creation.Obamacare enrollee sees premium spike over 300% as sign-up period begins: 'This will devastate us'…
— Bo Snerdley (@BoSnerdley) November 2, 2025
Real Americans Face Impossible Healthcare Choices
Jeremy Tolbert, a 47-year-old Kansas web developer, exemplifies the crisis facing middle-class families nationwide. His monthly premium jumped from $2,200 to $2,600 for 2026, with higher deductibles and out-of-pocket maximums crushing his family budget.
“I already pay a significant portion of my income for this insurance,” Tolbert told CBS News. “What the hell am I paying for at this point?” His frustration reflects millions of Americans trapped by Obamacare’s failed promises.
Tax Credit Expiration Creates Perfect Storm
The healthcare affordability crisis intensifies as premium tax credits face expiration at year’s end. Approximately 22 million Americans currently receiving these subsidies could see their ACA costs more than double in 2026, according to KFF estimates.
This looming deadline has contributed to the ongoing government shutdown, with Democrats desperately pushing Republicans to extend what amounts to another taxpayer bailout of their failed healthcare scheme.
Market Forces Expose Obamacare’s Fatal Flaws
Healthcare analysts identify multiple factors driving premium increases, including surging demand for expensive GLP-1 weight-loss medications, hospital price inflation, and provider cost escalation. Cynthia Cox from KFF notes that underlying healthcare costs continue climbing across all sectors.
Insurance companies also project massive coverage drops when tax credits expire, creating market instability that further drives up premiums for remaining participants in this collapsing system.
Families Consider Desperate Measures
Rising costs force Americans into impossible decisions about their health coverage. Many families must choose between comprehensive insurance and basic necessities, with some considering going without coverage entirely.
Tolbert warns his family has “one to three more years before I can no longer afford a plan,” potentially forcing his stay-at-home wife back into the workforce solely to access employer-based insurance. This represents the human cost of progressive healthcare policies that promised affordability but delivered financial devastation.
