A price estimate on the healthcare.gov website, pictured on a laptop arranged in Norfolk, Virginia, on November 1, 2025. Stefani Reynolds/Bloomberg/Getty Images

Late last month, Elizabeth Wick got the email she had been dreading. Her insurer, Blue Cross and Blue Shield of Texas, told her that the monthly premiums for her Affordable Care Act policy would soar to $1,380 next year, up from $862.

Wick, 57, currently gets $400 in federal premium subsidies , which makes the monthly cost of her health insurance more manageable. But the Arlington, Texas, resident is not counting on that assistance for next year since she also received a letter from the federal Obamacare exchange saying she likely won’t be eligible for any help in 2026 if the enhanced subsidies expire as scheduled at year’s

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