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Uninsured in 2026: How to Pay for Care
6 Dec
Summary
- Millions may drop health insurance in 2026 due to affordability.
- Direct primary care and cash-pay estimates are healthcare alternatives.
- ACA subsidies uncertain, potentially doubling insurance premiums.
With rising costs, millions may forgo health insurance in 2026, seeking alternative ways to pay for medical needs. This shift towards becoming a cash-pay consumer presents new challenges and opportunities for accessing care.
Direct primary care, good faith estimates for services, and concierge care models offer new avenues. Additionally, medical cost-sharing programs and tax-advantaged accounts like HRAs and FSAs can help manage expenses. Patients can also explore free or low-cost options such as community clinics and patient assistance programs.
The future of ACA premium subsidies remains a significant factor, with potential doubling of premiums if they aren't continued. This uncertainty impacts open enrollment and may force many to consider self-pay options, necessitating a proactive strategy for managing healthcare costs and avoiding medical debt.
