在大流行病补贴停止后,一对夫妇的保健费用暴涨,迫使他们使用退休储蓄,使一场危机波及120多万美国人。 After pandemic subsidies ended, a couple's health costs surged, forcing them to use retirement savings—mirroring a crisis affecting over 1.2 million Americans.

63岁的Jean Franklin和她的丈夫Chaz,一位退休教师,在联邦大流行病时代的补贴到期后,他们的医疗保险保险费从每月540美元猛升至3 899美元,迫使他们取消计划,并投入退休储蓄。 Jean Franklin, 63, and her husband Chaz, a retired teacher, saw their health insurance premiums soar from $540 to $3,899 monthly after federal pandemic-era subsidies expired, forcing them to cancel plans and dip into retirement savings. Jean的ALS诊断认为她有资格享受医疗保险,将费用降低1,600美元,但每月医疗费用仍为2,300美元,比他们的抵押贷款还多。 Jean’s ALS diagnosis qualified her for Medicare, reducing costs by $1,600, but they still face $2,300 in monthly health expenses—more than their mortgage. 他们的处境反映了一场更广泛的危机:自补贴结束以来,参加ACA计划的美国人减少了120多万,而高成本国家的中等收入近退休者受“补贴悬崖”打击最大。 Their situation reflects a broader crisis: over 1.2 million fewer Americans are enrolled in ACA plans since subsidies ended, with middle-income near-retirees in high-cost states hardest hit by a "subsidy cliff." 虽然有些立法者认为补贴过量, 鼓吹者警告家庭延后照顾, While some lawmakers call the subsidies excessive, advocates warn families are delaying care and risking financial ruin.