(CNN) — 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 end.

The rising health insurance rates and lapsing subsidies could upend Wick’s life. A therapist who focuses on sexual assault survivors, she launched

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