What Americans are giving up to afford ACA health insurance, according to a new poll

March 19, 2026 - 22:14

A new national survey reveals the difficult trade-offs many Americans are making to afford their health insurance premiums under the Affordable Care Act. The findings highlight ongoing financial strain, particularly following the expiration of enhanced federal subsidies that had previously kept costs lower for most enrollees.

According to the data, a significant portion of adults with ACA marketplace plans report cutting back on other essentials to manage their healthcare expenses. Commonly cited sacrifices include reducing spending on food, delaying major purchases, and cutting back on entertainment. Some respondents also reported taking on additional debt or dipping into savings to cover their monthly premiums and out-of-pocket medical costs.

The survey underscores a persistent challenge of healthcare affordability, even with the structure of the ACA marketplace. While the law has expanded coverage to millions, the cost burden remains substantial for many households. The expiration of temporary financial assistance has brought these budgetary pressures into sharper focus, forcing families to make difficult decisions about their spending priorities to maintain vital health coverage. Experts suggest these findings point to the continuing need for policies aimed at reducing overall healthcare costs for consumers.