In late September, Laurel Vincenty got a letter from Blue Cross Blue Shield informing her that the subsidies that covered a big chunk of her health insurance would be expiring at the end of the year, sending her monthly premiums soaring .

Vincenty, 64, and her husband Philip Vincenty, 62, of North Carolina, are covered through the Affordable Care Act. They currently pay about $400 each month in premiums. An additional $1,700 is covered through the soon-expiring subsidies.

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Both Vincenty and her husband are self-employed. In 2020, she was diagnosed with breast cancer, and in 2024, Philip had a heart attack — health issues that left them with thousands of dollars in medical debt they’re still paying off. Their mont

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