{"id":352520,"date":"2025-11-03T11:50:25","date_gmt":"2025-11-03T11:50:25","guid":{"rendered":"https:\/\/www.europesays.com\/us\/352520\/"},"modified":"2025-11-03T11:50:25","modified_gmt":"2025-11-03T11:50:25","slug":"floridians-face-sticker-shock-over-obamacare-price-hikes","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/us\/352520\/","title":{"rendered":"Floridians face &#8216;sticker shock&#8217; over Obamacare price hikes"},"content":{"rendered":"<p>Nathan Sharp is trying to figure out how he\u2019ll pay for health care now that the federal pandemic-era help that made his coverage more affordable is set to end.<\/p>\n<p>The 49-year-old Crystal River resident learned this week the monthly cost of his Affordable Care Act, or Obamacare, plan will more than double, jumping from $202 to $450. He said his co-pays are also increasing, and he\u2019s considering going without coverage next year.<\/p>\n<p>\u201cI am not going to be able to afford my insurance,\u201d said Sharp, who does digital marketing and is self-employed. \u201cI am just going to have to self-pay.\u201d<\/p>\n<p>Millions of Floridians are facing higher Obamacare prices with the start of open enrollment Saturday. Costs are being driven up by the expiration of enhanced subsidies, enacted in 2021, that helped many people pay for health insurance \u2014 and are now at the center of the federal government shutdown dispute.<\/p>\n<p>The Sunshine State has about 4.7 million people enrolled in Affordable Care Act plans, and it\u2019s estimated as many as a third could drop their coverage given the higher prices.<\/p>\n<p>\u201cThere is going to be huge sticker shock,\u201d said Steve Freedman, a professor of health policy at the University of South Florida\u2019s Chiles Center. \u201cIt\u2019s not going to be without real public outcry.\u201d<\/p>\n<p>Rates will vary based on a person\u2019s age, income, coverage plan and location. Obamacare is meant to make health insurance more affordable and accessible to people who do not access insurance through an employer, and about 97% of Florida enrollees receive income-based discounts that make their premiums cheaper.<\/p>\n<p>But next year, many are slated to pay more for the same coverage, assuming Congress allows the extra subsidies to expire at the end of the year.<\/p>\n<p>A 28-year-old person in Orange County who earns $35,000 a year will see the monthly cost of the typical silver-tier plan rise from $130 to $290,<a href=\"https:\/\/floir.com\/life-health\/federal-health-insurance\" target=\"_blank\" rel=\"noopener\"> according to estimates<\/a> from the Florida Office of Insurance Regulation. The typical family of four with a household income of $85,000 would see their monthly cost go from $489 to $901.<\/p>\n<p>Despite the state\u2019s rightward shift, Florida<a href=\"https:\/\/www.kff.org\/affordable-care-act\/state-indicator\/marketplace-enrollment\/?currentTimeframe=0&amp;sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D\" target=\"_blank\" rel=\"noopener\"> leads the nation for Obamacare enrollment<\/a> with more people relying on this coverage than anywhere else in the country. One factor behind that is Florida\u2019s tourism and service-based economy where many workers don\u2019t have access to insurance through their jobs, Freedman said.<\/p>\n<p>As a result, Floridians \u2014 from restaurant employees to gig workers to the self-employed \u2014 have turned to a plan long derided by the GOP to get health insurance.<\/p>\n<p>In 2021, former President Joe Biden signed legislation making Obamacare subsidies even more generous and, for the first time, offering discounts to people earning more than four times the poverty level \u2014 about $62,600 for an individual.<\/p>\n<p>With those changes, Obamacare enrollment soared in Florida from 1.9 million in 2020 to 4.7 million in 2025.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" lazyautosizes lazyload\" alt=\"Nathan Sharp, 49, of Crystal River, is concerned he may have to go without health insurance because of rising Obamacare costs. (Courtesy Nathan Sharp)\" width=\"1737\" data- src=\"https:\/\/www.europesays.com\/us\/wp-content\/uploads\/2025\/11\/tos-l-Nathan-Sharp-CROP.jpg\" data-attachment-id=\"14797410\" \/>Nathan Sharp, 49, of Crystal River, is concerned he may have to go without health insurance because of rising Obamacare costs. (Courtesy Nathan Sharp)<\/p>\n<p>Those additional subsidies are now at the center of a Washington, <a href=\"https:\/\/www.orlandosentinel.com\/2025\/10\/01\/federal-shutdown-could-have-widespread-devastating-effect-on-floridians\/\" target=\"_blank\" rel=\"noopener\">D.C. standoff<\/a> with Democrats pushing for them to be extended as part of a deal to reopen the government. It would cost about $23 billion to extend the subsidies for a year and $350 billion to extend them over the next decade, according to an estimate by the Congressional Budget Office.<\/p>\n<p>Long critical of Obamacare, many Republicans are pushing for a conservative overhaul of the 2010 law if not an outright repeal. But they haven\u2019t coalesced around a detailed plan. Some conservatives argue extending the subsidies will drive health care costs even higher in the long run. Others, such as \u00a0Rep. Marjorie Taylor Greene of Georgia and Sen. Josh Hawley of Missouri, have said they support extending the subsidies or coming up with a different plan to prevent dramatic price spikes.<\/p>\n<p>Health care is shaping up to be a dominant issue in next year\u2019s midterm elections.<\/p>\n<p>But State Rep. Robin Bartleman, D-Weston, said she is worried about what the immediate fallout will be for families.<\/p>\n<p>\u201cThey are about to get the shock of their lives when they open their premium notice,\u201d she said. \u201cWorking families in Florida are at the end of their rope. They don\u2019t have any room in their budget. This is going to be a real problem.\u201d<\/p>\n<p>Both outgoing Florida Gov. Ron DeSantis and gubernatorial front-runner U.S. Rep. Byron Donalds have said they think younger people could get by with bare-bones plans that provide coverage only for catastrophic costs instead of more expensive comprehensive coverage.<\/p>\n<p>DeSantis put blame on federal policy that he says has created a \u201cmedical industrial complex,\u201d where patients are disconnected from the cost of health care billed to insurers.<\/p>\n<p>\u201cMost people, particularly under 50, what they really need is a catastrophic plan that\u2019s affordable, where then they can pay whatever they\u2019re doing out of a health savings account,\u201d he said during a <a href=\"https:\/\/x.com\/GovRonDeSantis\/status\/1979338342543315289\">discussion at Stanford University\u2019s Hoover Institution<\/a> earlier this month.<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"2FcEl35Q3H\">\n<p><a href=\"https:\/\/www.orlandosentinel.com\/2025\/10\/28\/government-shutdown-food-aid-concerns\/\" target=\"_blank\" rel=\"noopener\">Food banks are preparing for a surge as federal food aid could be paused in the government shutdown<\/a><\/p>\n<\/blockquote>\n<p>Meanwhile, Florida Blue, a leading insurance carrier, is <a href=\"https:\/\/www.floridablue.com\/health-insurance-education\/aca-marketplace-changes?utm_source=general-promotion&amp;utm_medium=multi-channel&amp;utm_campaign=iu65-comms&amp;utm_content=state-florida-en-us-2025subsitylp-en-general-promotion-multi-channel\" target=\"_blank\" rel=\"noopener\">warning its customers<\/a> of the higher costs for those who buy insurance through the Obamacare marketplace and also highlighting the out-of-pocket expense of receiving treatment without insurance. The average emergency room visit at a Florida hospital costs $3,100, if you pay out of pocket, while a three-day hospital stay runs about $30,000, according to the insurer.<\/p>\n<p>\u201cWithout the enhanced tax credits, millions of people will face higher monthly costs on the individual marketplace,\u201d said Michael Lawrence, a Florida Blue spokesman. \u201cThey may no longer be able to afford their current coverage, and many may choose to go without it. This would reverse the tremendous progress \u2014 reduction in the uninsured \u2014 made since the Individual Marketplace began.\u201d<\/p>\n<p>Florida is one of 10 states that have not expanded Medicaid, a joint state-federal insurance program for low-income people. The Affordable Care Act included funds for states opting to expand Medicaid to people with incomes up to 138% of the poverty level, about $21,500 for a single person. The federal government agreed to initially fund 100% of the cost and pick up a 90% share in subsequent years.<\/p>\n<p>The Florida Policy Institute, a left-leaning think tank, forecasts that the <a href=\"https:\/\/www.floridapolicy.org\/posts\/raising-the-alarm-on-the-oncoming-tidal-wave-of-health-care-coverage-loss-for-florida\" target=\"_blank\" rel=\"noopener\">state\u2019s uninsured could rise<\/a> from 10.9% to 16.9% next year, writing that cuts to Medicaid and Affordable Care Act subsidies \u201cset Florida up for an impending health care coverage disaster.\u201d<\/p>\n<p>As healthier people drop their coverage, it could cause an insurance \u201cdeath spiral\u201d with a sicker, riskier insurance pool, driving premiums even higher, said Freedman, the health policy professor. Emergency rooms could see more uninsured patients who must be seen but can\u2019t pay, costs that ultimately get passed on to those with insurance.<\/p>\n<p>Xonjenese Jacobs, the director of the health care assistance program Covering Florida, encouraged people facing large increases to shop around. They may be able to find a lower-tier plan or a different carrier that is less expensive and meets their needs, she said.<\/p>\n<p>Navigators are available to provide free assistance to consumers, but their numbers have been greatly diminished because of federal funding cuts. Jacobs oversees 75 navigators, down from about 200 during Biden\u2019s administration, even as many Floridians are expected to be scrambling for coverage.<\/p>\n<p>\u201cWe\u2019ve been fielding calls,\u201d she said. \u201cIt has been off the hook with the phones ringing.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"Nathan Sharp is trying to figure out how he\u2019ll pay for health care now that the federal pandemic-era&hellip;\n","protected":false},"author":3,"featured_media":352521,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[723,210,1141,1142,1370,728,50,3161,67,132,68],"class_list":{"0":"post-352520","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-health-care","8":"tag-florida","9":"tag-health","10":"tag-health-care","11":"tag-healthcare","12":"tag-latest-headlines","13":"tag-local-news","14":"tag-news","15":"tag-social","16":"tag-united-states","17":"tag-unitedstates","18":"tag-us"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@us\/115485621187350070","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/352520","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/comments?post=352520"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/posts\/352520\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media\/352521"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/media?parent=352520"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/categories?post=352520"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/us\/wp-json\/wp\/v2\/tags?post=352520"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}