She's 60 and just lost ACA subsidies. Now her health insurance costs $903 a month — and she's avoiding the doctor.

Monthly premiums spiked in 2026 for Americans with Affordable Care Act insurance plans.

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• CJ Richey, 60, is among the millions of Americans who lost ACA subsidies on December 31.
• The marketplace credits helped low- and middle-income Americans afford healthcare.
• Richey is likely to drop her insurance coverage this spring due to the steep premium.

CJ Richey is avoiding the doctor.

Like many Americans, she saw her monthly health insurance premium spike this year ...