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CASE STUDY Sample Middle-Class WA Couple Facing 880 -1,325 Monthly Health Insurance Increase

Oak Harbor, WALocal News

A Washington state couple's health insurance premiums will surge by $880 to $1,325 monthly in 2026 due to the expiration of Enhanced Premium Tax Credits. This financial strain affects middle-class families earning $120,000 per year, with an average annual increase of $12,590 projected across all 39 counties. The case study, released by Senator Maria Cantwell, reveals that premiums in King County will rise by $960 monthly, while those in Clark County will increase by $1,097. Factors influencing these premium hikes include age, gender, household income, and county of residence. The analysis highlights the significant disparities in premium costs, with some counties experiencing increases exceeding $1,600.

Cantwell's report aims to raise awareness about the challenges facing families as they navigate the ACA marketplace. The findings stress the need for policy discussions around health care affordability and access. This case study serves as a critical reminder of the changing landscape of health insurance in Washington state.

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