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richdj25

(215 posts)
Sun Dec 21, 2025, 07:54 AM Sunday

As insurers retreat from Obamacare, a working family is caught in the squeeze

This discussion thread was locked as off-topic by Emile (a host of the Latest Breaking News forum).

Source: Washington Post

JACKSON HOLE, Wyoming — Like millions of other Americans, Stacy Newton turns to Healthcare.gov to shop for health insurance for her family. The Affordable Care Act website, according to the government, is where consumers are supposed to find “a menu of health insurance plans.”

But for the Newtons and many others in the country, next year’s menu is severely limited: There is only one company offering ACA plans here — and costs have risen steeply.

To continue health coverage for themselves and their two teenage children, the Newtons would have to pay an annual premium of $43,000 — about a third of their gross income. It is the price of the cheapest plan available to the family from Blue Cross Blue Shield of Wyoming, the only ACA insurer left in Teton County.

This year, millions of American families that have relied on ACA, popularly known as Obamacare, are being squeezed on multiple sides: Premiums are rising, the covid-era subsidies that helped pay for those policies are shrinking, and there are fewer choices with insurers pulling out of some markets.

The squeeze here is a symptom of broader trouble in American health care. In western Wyoming and other regions, the expected rollback of enhanced subsidies has destabilized the economics of Obamacare, pushing some insurers to retreat from the government-supported market because it won’t be profitable.

That is leaving consumers like the Newtons with little choice but to buy a pricey, unsubsidized policy from a local monopoly.

Next year, the number of counties with only one company providing Obamacare will jump from 72 to 146, according the Robert Wood Johnson Foundation. That number is expected to rise further if, as appears likely, Congress fails to renew the enhanced subsidies.

Newton and her husband, Derek, each run a small business — she is an independent sales representative, and he outfits vans — and like many entrepreneurs, they have relied on the ACA for health insurance. But this year, the price of their policy rose 34 percent, and the federal subsidy that helped them pay for it is slated to go away. At the same time, they know they will need medical care: Last year, Newton, 51, was diagnosed with chronic leukemia.

“It’s terrifying,” she said. “We’re not rich, we’re not poor. We’re a standard, middle-class family, and somehow now I can’t afford health insurance.”

Read more: https://www.washingtonpost.com/health/2025/12/21/obamacare-monopolies-subsidies/



This of course, is the typical healthcare story we're going to see more of in the coming weeks....months, as well as people literally dying. Quite a few, because of their ignorant political beliefs.

Back in the 1970's, I was a young and foolish black kid, yet use to listen to the adults around me, occasionally speak of white folk hurting themselves to spite others.....mainly black folk. Naturally, I didn't understand such. Believed it was silly of one to harm his/herself, because of their hatred toward others, and now @67 years old, here we are.
21 replies = new reply since forum marked as read
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As insurers retreat from Obamacare, a working family is caught in the squeeze (Original Post) richdj25 Sunday OP
Bet they wouldn't have had this problem if Kamala had been elected. Vinca Sunday #1
If their agi is 130K then they could pay the premium and still have 100k to live on. Blues Heron Sunday #2
The article says gross income, not adjusted gross income. Lonestarblue Sunday #3
Everything else needs to take a backseat to healthcare if you have leukemia. It's suicidal going naked. Blues Heron Sunday #4
In the past, she would go on to emergency Medicaid for treatment. However, the GOP is killing Medicaid as well. travelingthrulife Sunday #8
Did they vote for Trump? probably since the article doesn't say. They would have mentioned if they voted dem Blues Heron Sunday #9
They're deliberately killing Americans The Madcap Sunday #10
That is before taxes. karynnj Sunday #16
Canada's Medicare was created for small rural provinces like Saskatchewan IronLionZion Sunday #5
...and who was the loudest trump cultists bashing the ACA nwduke Sunday #6
The County she lives in is the only one Harris won but it doesn't matter Bengus81 Sunday #7
I've brought this up before... GiqueCee Sunday #11
Just as companies subsidize costs for employees, the federal government does too karynnj Sunday #18
Kick dalton99a Sunday #12
Map of Trump approval ratings - Wyoming is #1 worst (meaning it has the highest Trump approval rating) progree Sunday #13
Trump's approval is highest in Wyoming karynnj Sunday #19
I know, that's why I said Wyoming is worst, but I see how it can be differently interpreted from what I mean progree Sunday #20
Wyoming, huh? Aviation Pro Sunday #14
Republicans don't want entrepreneurs. yardwork Sunday #15
Thanks for the post, richdj25. ... littlemissmartypants Sunday #17
After an alert and discussion with the hosts, locking. Emile Sunday #21

Vinca

(53,220 posts)
1. Bet they wouldn't have had this problem if Kamala had been elected.
Sun Dec 21, 2025, 08:14 AM
Sunday

Blues Heron

(8,253 posts)
2. If their agi is 130K then they could pay the premium and still have 100k to live on.
Sun Dec 21, 2025, 08:41 AM
Sunday

Why did she cancel knowing she has leukemia?

Lonestarblue

(13,195 posts)
3. The article says gross income, not adjusted gross income.
Sun Dec 21, 2025, 09:00 AM
Sunday

Blues Heron

(8,253 posts)
4. Everything else needs to take a backseat to healthcare if you have leukemia. It's suicidal going naked.
Sun Dec 21, 2025, 09:11 AM
Sunday

Not to mention should something happen to the rest of the family. Chronic leukemia is quite deadly.

travelingthrulife

(4,305 posts)
8. In the past, she would go on to emergency Medicaid for treatment. However, the GOP is killing Medicaid as well.
Sun Dec 21, 2025, 09:43 AM
Sunday

Blues Heron

(8,253 posts)
9. Did they vote for Trump? probably since the article doesn't say. They would have mentioned if they voted dem
Sun Dec 21, 2025, 09:47 AM
Sunday

How does she have leukemia but doesn’t need treatment? Once you have it you are on meds for years before they let you try going treatment free.

The Madcap

(1,693 posts)
10. They're deliberately killing Americans
Sun Dec 21, 2025, 10:01 AM
Sunday

But passively. Deliberately. Without conscience.

karynnj

(60,765 posts)
16. That is before taxes.
Sun Dec 21, 2025, 10:55 AM
Sunday

Depending on other things, these high premiums would let them take a deduction for medical if they itemized. They should do a very serious look at what their finances are eliminating everything next year not absolutely needed.

She should not have cancelled because with leukemia she needs health insurance. Putting her husband and kids on a non ACA catastrophic plan while staying on ACA herself might help if they absolutely can't afford family ACA. Doing this is at the cost of taking the risk of paying a lot if any of them have high medical costs. Those plans usually don't cover preexisting conditions.

I don't know if the Republican House plan that has some help for small business owners buying into group plans has plans that cover pre existing conditions. If it does and the Senate and House sign on, that could help them if it is affordable. ( Note large number of ifs )

Given the number of ifs, they might have to consider if either could get a job for a company offering insurance.

All and all, the Republicans have messed up their lives.

IronLionZion

(50,728 posts)
5. Canada's Medicare was created for small rural provinces like Saskatchewan
Sun Dec 21, 2025, 09:21 AM
Sunday

because it's not very profitable to insure patients in a state like Wyoming. Fewer people means smaller risk pool.

So urban areas and more populous states will have more options to choose from. Supposedly competition is good for consumers.

There are rural minorities and urban whites, but MAGA is disproportionately rural so they are screwing themselves hardest.

nwduke

(480 posts)
6. ...and who was the loudest trump cultists bashing the ACA
Sun Dec 21, 2025, 09:26 AM
Sunday

BARASSHOLE!!!

Bengus81

(9,754 posts)
7. The County she lives in is the only one Harris won but it doesn't matter
Sun Dec 21, 2025, 09:26 AM
Sunday

All the other Counties went for Fat Hitler in the 80%-90% range and the ACA is disappearing from Wyoming. Republicans KILLED your affordable health care and they want to KILL it in the rest of the States.

GiqueCee

(3,305 posts)
11. I've brought this up before...
Sun Dec 21, 2025, 10:27 AM
Sunday

... but it bears repeating: Members of the House and Senate get gold-plated healthcare, and, though they do pay premiums, a cursory search does not reveal how those costs compare to what the average citizen has to pay for similar coverage. But I'm willing to bet they get a much better deal through the FEHB (Federal Employees Health Benefits, or the DC SHOP) than we, The Great Unwashed, could ever have access to.
So, the infrastructure already exists for administering universal healthcare, but corporate greed once again rears its ugly head to roar its promise of vengeance upon any politician foolish enough to propose it.
Tiny countries like Thailand provide better access to healthcare, both to its citizens, and even to tourists that need it, than the richest country on Earth is willing to offer its residents. How does that scan for ya?
And, as a parting shot, note that "CORPORATISM" is what Mussolini preferred to call his form of government. And look where that got him.

karynnj

(60,765 posts)
18. Just as companies subsidize costs for employees, the federal government does too
Sun Dec 21, 2025, 11:06 AM
Sunday

Therefore even if you knew the monthly cost for the legislators or their staff, a reasonable comparison would be to the cost paid by people who through their job have medical benefits.

I retired a few decades ago, but back then the company I worked for put out a statement that showed my compensation package. The point was that wages were just part of it. The cost they bore for medical was much more than the potion I paid.

dalton99a

(91,830 posts)
12. Kick
Sun Dec 21, 2025, 10:33 AM
Sunday

progree

(12,711 posts)
13. Map of Trump approval ratings - Wyoming is #1 worst (meaning it has the highest Trump approval rating)
Sun Dec 21, 2025, 10:35 AM
Sunday

Last edited Sun Dec 21, 2025, 11:29 AM - Edit history (2)

Newsweek, 11/29/25
https://www.msn.com/en-us/news/politics/map-shows-donald-trump-s-approval-rating-in-each-state-after-10-months/ar-AA1Ro0uS

Recent Civiqs polling underscores that Trump’s popularity remains highest in traditionally Republican states such as Wyoming and Idaho.



Below is an Imgur of the map
but it is "static", to see the map where you can mouse over each state and see its name and net approval rating pop up, click on this link:

https://flo.uri.sh/visualisation/26517440/embed




More at Editorials and Other Articles https://www.democraticunderground.com/1016418579

karynnj

(60,765 posts)
19. Trump's approval is highest in Wyoming
Sun Dec 21, 2025, 11:10 AM
Sunday

Lowest is in dark blue places like Vermont.

progree

(12,711 posts)
20. I know, that's why I said Wyoming is worst, but I see how it can be differently interpreted from what I mean
Sun Dec 21, 2025, 11:28 AM
Sunday

To avoid confusion, I changed the title from:
Map of Trump approval ratings - Wyoming is #1 worst
to:
Map of Trump approval ratings - Wyoming is #1 worst (meaning it has the highest Trump approval rating)

Thanks


Aviation Pro

(15,197 posts)
14. Wyoming, huh?
Sun Dec 21, 2025, 10:44 AM
Sunday

There’s a good chance that a leopard is feasting on face.

yardwork

(68,884 posts)
15. Republicans don't want entrepreneurs.
Sun Dec 21, 2025, 10:48 AM
Sunday

Obamacare allowed a lot of Americans to go to work for themselves. Republicans don't like that. They want people to be forced to work for large corporations.

littlemissmartypants

(31,428 posts)
17. Thanks for the post, richdj25. ...
Sun Dec 21, 2025, 11:00 AM
Sunday

Mama would call that behavior "cutting of their nose to spite their face." It happens a lot in my neck of the woods.

Emile

(40,316 posts)
21. After an alert and discussion with the hosts, locking.
Sun Dec 21, 2025, 11:34 AM
Sunday

The consensus with the hosts is this is a feature story.

Feel free reposting this in Editorials & Other Articles or General Discussion forums.

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