Iowans will soon face higher health insurance premiums. Some may decide to go without.

Iowans are preparing for steep health insurance premium hikes as enhanced Affordable Care Act subsidies will expire at the end of 2025. Families, including Abbey Paxton's, are confronting the reality of rising costs, with her high-deductible plan expected to increase by 10% next year. Paxton's family has already faced $10,000 in medical bills despite having insurance, highlighting the financial strain many are under. As open enrollment begins on Nov. 1, families will see proposed rate increases from insurers ranging from 12.

5% to over 25% for 2026. The expiration of subsidies created in 2021 without congressional action may lead many to forgo insurance altogether. The ongoing government shutdown has complicated discussions about extending these vital subsidies, with Democrats advocating for their continuation and Republicans opposing their inclusion in funding negotiations. Paxton expresses concern about the pain this situation will cause across income levels, emphasizing the need for affordable healthcare. As families weigh their options, the decision to remain insured or go without will have lasting implications on their financial well-being.