Understand How to Fix U.S. Health Care Costs (Without Breaking What Works) Bychrisconnors December 15, 2025February 2, 2026 With enhanced Affordable Care Act subsidies set to expire at the end of 2025 after a shutdown-era stalemate, many Americans could wake up in 2026 to higher premiums—and the same old question: why does care cost so much even when you’re insured?