2 hours ago

People in the US: how has the end of Affordable Care Act subsidies affected you?

Enhanced subsidies that have kept health insurance premiums affordable for millions of Americans who use the Affordable Care Act (ACA) expired at the end of last year.

Premiums have risen sharply for at least 22 million Americans who purchased their coverage through the ACA marketplaces using the tax credits, according to research.

We would like to speak to people affected by this. How have you managed the increase? What effect has it had on your budget in 2026? Have you made changes to your spending? Tell us.

Share your experience

Tell us how you and your household are affected in the form below.

Your responses, which can be anonymous, are secure as the form is encrypted and only the Guardian has access to your contributions. We will only use the data you provide us for the purpose of the feature and we will delete any personal data when we no longer require it for this purpose. For alternative ways to get in touch securely please see our

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Tell us a bit about yourself (e.g. age, background, what you do)

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How have you and your household been affected by expiration of subsidies, or premium tax credits?

Please include as much detail as possible.

How are you and your household adjusting to the change?

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Please include as much detail as possible.

Do you have concerns?

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Please include as much detail as possible.

If you are happy to, please upload a photo of yourself here