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Arrests of Immigrant Parents Create Mental Health Crisis for Children

LOS ANGELES — Damian Zermeño, 15, sensed something was wrong the moment he got home from school.

His aunt sat at the dining table, sobbing. His father, who’d walked him to the bus stop that morning and promised to take him to dinner when he got back, wasn’t there.

Saúl Zermeño, a 45-year-old single dad, had gone to a routine check-in appointment at an Immigration and Customs Enforcement office that morning, a requirement he’d complied with for years. The father had deferred action that allowed him to stay and work in the U.S., according to his attorney. But that day, Oct. 3, officers deported him to Mexico, where he hadn’t lived since he was 9 years old. Zermeño had been Damian’s sole caregiver since he was a baby because his mother chose not to be involved in the boy’s life, the family said.

Suddenly, Damian, who was born in the U.S., found himself separated from his father by thousands of miles and a heavily guarded border. The previously cheerful 10th grader, who doesn’t have a driver’s license and can make a few basic dishes but isn’t used to cooking for himself, faced navigating his teenage years alone, his dad’s presence reduced to a two-dimensional image on his phone.

“I thought it wasn’t true,” Damian said. “I just went to my room. I didn’t want to leave. I didn’t even want to eat.”

Damian is among an estimated hundreds of thousands of children, most of them U.S. citizens, separated from a parent by the Trump administration’s deportation policies. Their mothers and fathers have been deported or locked for months inside detention centers, often miles away from where their families live. These children are separated, sometimes violently, from the adults they depend on. Parents have been arrested while dropping kids off at school, inside their homes, and at immigration check-ins with their children present. Most people detained have no criminal conviction. (Being in the U.S. without authorization is typically a civil offense). With their parents gone, kids’ lives are plunged into fear and uncertainty.

As a result, a generation of children from immigrant families are exhibiting mental health problems that could affect them for years.

Parents, therapists, and others who work with immigrant families said they’ve already encountered preschoolers with speech delays, elementary school children who talk of suicide, and teenagers too anxious to leave the house. Research has shown repeatedly that separating children from their parents harms their health and development. The stress of losing a primary caregiver creates havoc in a child’s brain and body, increasing their risk for mental and physical health problems, including depression, anxiety, post-traumatic stress disorder, a weakened immune system, and developmental delays.

“You can just see it in their faces; it’s almost like the light has been dimmed in their eyes,” said the Rev. Tanya Lopez, a pastor at Downey Memorial Christian Church who regularly visits immigrant families as part of a support organization made up of Los Angeles-area religious leaders.

The health risks from this stress response are long-term. People who experience parental separation and other traumatic events as children are more likely to have heart disease, diabetes, cancer, and other chronic conditions as adults.

In a statement, the Department of Homeland Security said ICE does not separate families, and that parents are asked if they want to be removed from the country with their children or to designate a safe person for them to stay with in the U.S.

However, a report by the Women’s Refugee Commission and Physicians for Human Rights found that many parents aren’t given that choice, and that ICE often doesn’t ask detainees if they have children or take steps to ensure that children left behind are safe. Saúl Zermeño said ICE officers didn’t ask about his son or check on Damian’s well-being when he was deported.

Two men sit at a table in front of a birthday cake as they smile for a portrait
Damian Zermeño at a birthday celebration a few months before his dad, Saúl Zermeño (right), was deported to Mexico. Damian is one of an estimated hundreds of thousands of children separated from a parent by the Trump administration’s deportation policies. Many of these children suffer mental and emotional health problems as a result. (Claudia Zermeño)

For days after his father’s deportation, Damian didn’t want to leave his room, eat, or go to school. He stopped talking to his friends. He stopped playing his favorite video game, Fears To Fathom. When he returned to school a week later, the teenager would cry in class or walk out overwhelmed with sadness. Even his favorite subject — English — lost its appeal.

Damian and his father were inseparable; family members joked that they never saw one without the other. Zermeño took Damian, who has attention-deficit/hyperactivity disorder, autism, and other health conditions, to his medical appointments. He cooked for him and combed his hair. He loved to take Damian to his favorite Thai restaurant or to get boba drinks after school. As much as they joked around and played pranks on each other, Zermeño also taught Damian the importance of work by bringing him along to construction jobs and to find supplies at Home Depot.

Damian used to get annoyed with his father’s motivational chats about responsibility. Now they’re one of the things he misses most.

“I thank my dad every day for teaching me to be strong before he left,” Damian said.

A man holds a smartphone with an image of a video chat with another man
Damian talks to his father over video chat. Saúl, a single parent, was deported to Mexico in October after living 36 years in the United States. Now, the only way the two see each other is through a screen. (Karla Gachet for KFF Health News)

Elsewhere in Los Angeles, Jacob, a shy 9-year-old with cropped, curly hair, skinny limbs, and a serious expression, was missing his mom. On a Saturday in May, he clung tightly to his father’s hand as they walked among homeless people, street peddlers, and the stench of urine that hangs in the air outside the building where they live in a cramped apartment. He hoped his mom would soon be released from immigration detention so that he could hug her again.

“If my mom was here, I’d be happy,” he said. “Right now, I’m not.”

Jacob is in some ways a typical 9-year-old. He likes playing Roblox and Street Fighter. He dreams of becoming a police officer and of owning a guard dog, “because you can train them and they defend you.”

But he also endured a harrowing journey, even before being separated from his mom in January. Jacob’s family fled their home country of Colombia in 2024 because members of a paramilitary group threatened to kill them, his father, Andreis, said. During their journey to the United States, Jacob saw dead bodies while trekking through the jungle, was kidnapped and robbed at gunpoint with his parents, witnessed a rape, and had to sell candy and beg for money, his dad said. KFF Health News is not using the father’s or son’s real name because the family fears it would jeopardize their asylum cases.

After the family arrived in Los Angeles, Jacob suffered from nightmares and an intense fear of being alone. He started to recover once he began attending school and got connected to therapy through the school district, his dad said. For a short while, the family felt they had found peace.

Then, immigration officers detained Jacob’s mother at a check-in appointment while he and Andreis sat in the waiting room. The mother has a pending asylum application and no criminal record, Andreis said. The father said he and his son broke down when officers informed them of his wife’s detention, handing them a bag with her wallet and cellphone. They returned home without her, leaving Jacob inconsolable.

“He was terrified,” the father said, fighting back tears, his voice growing quiet as he recounted that moment. “He was crying with rage.”

After that, Jacob didn’t want to eat or go to school. When he went to school at his dad’s insistence, his teacher called home to ask why he was crying in class. Jacob couldn’t sleep. He acted out. He blamed his dad.

“When will my mom come back?” he asked his dad. “Why do they have my mom? I miss my mom.”

At the same time, Andreis said, he was going through his own crisis, trying in vain to console his son while wrestling with grief, worry, and desperation over what happened to his wife. He stopped his work as a laborer for two weeks to take care of Jacob, but that created financial stress and meant he sometimes couldn’t afford to fund his wife’s commissary account so she could buy better food and make phone calls. Jacob lived for those phone calls.

Jacob listed all the things he missed about his mom, including her cooking (rice with meat, corn cakes with egg), visiting the park together, and her taking him to get his hair cut, treating him to McDonald’s on the weekend, and bringing him to church. Most of all, he missed being close to her.

“I would lie down with her, and I’d watch videos with her,” he said. “My mom would hug me and I’d hug her.”

Sometimes he sprayed her perfume on himself so he could smell her.

After almost five months at the Adelanto ICE Processing Center, Jacob’s mother was released based on a habeas corpus petition in May. The family is still living in fear of detention or deportation. The father worries he too could be detained, and what that would mean for Jacob. Andreis is currently appealing a removal order for the two of them.

A recent analysis published by the Brookings Institution estimates that over 200,000 children — including 145,000 U.S. citizen children — have likely had at least one parent detained since President Donald Trump returned to office. About a third of those children are under age 6. The number of children with detained parents is expected to grow as the federal government pours over $200 billion into immigration enforcement, including funding from the GOP’s One Big Beautiful Bill Act and a $70 billion appropriation Trump signed this month.

More than 4.6 million U.S. citizen children live with a parent at risk of deportation, according to the report.

Families Broken

Noemi, a Guatemalan mother and asylum seeker, stood in the parking lot at an ICE office north of Los Angeles, her three children wailing and clinging to her, glass from the family’s car scattered at their feet.

Moments earlier, immigration agents had smashed a window and forced her partner out of the car while he waited for Noemi and the kids to finish a check-in appointment. While they were inside, officers tried to separate Noemi from the couple’s children, ages 9, 7, and 1, but gave up after the kids started screaming, Noemi said. Meanwhile, her partner, a Mexican national who’s lived in the U.S. for almost 20 years, was sent to the ICE detention center in Adelanto.

“It was something tragic, something inexplicable that happened that day,” said Noemi, who asked to withhold her full name because she fears government retaliation for sharing her story. “It’s something that marks you for your whole life. My family was broken.”

Located in the Mojave Desert, the privately run Adelanto ICE Processing Center is the immigration detention center closest to Los Angeles and one of the largest in the U.S. It held a daily average of over 1,700 people as of April, and a facility next door called the Desert View Annex held an additional 426.

Since her partner’s detention in December, Noemi said, their children haven’t been the same.

Her 7-year-old daughter, till then usually happy and smiling, became depressed and refused to eat. Her once-high grades plummeted, and she forgot the names of letters and numbers in both English and Spanish. She and her 9-year-old brother struggled to sleep and asked constantly about their dad, wondering if he was taken because they’d done something wrong.

“Why is this happening to us?” they asked her. “We’re good. We’re studying.”

Noemi’s youngest daughter went back to crawling for three months, even though she’d already learned to walk before her father was taken. The little girl would cry out in her sleep, “Pa! Pa!”

Sofia Mendoza, a therapist who works with immigrant families at a community clinic in Los Angeles County, said separated children can experience a form of grief. It’s hard for them to come to terms with their parent’s absence because the parent is still alive, but not with them. This can disrupt the child’s bond with that parent and their ability to form trusting relationships in the future, she said.

Many children also become extremely anxious, angry, and fearful, Mendoza said. Young children often complain of physical symptoms such as stomachaches, develop separation anxiety, and regress to earlier behaviors like bed-wetting. Older children may have panic attacks, nightmares, and difficulty focusing, Mendoza said. Caregiver loss is also associated with increased risk of suicide and substance use in children.

Norma Gómez, a project manager for the Mixteco Indigena Community Organizing Project in Oxnard, said after immigration raids shook the community last summer, her 9-year-old daughter refused to go to school for a week and was afraid to leave her mom and dad, even though they’re legal U.S. residents. She’d seen other kids at school crying because family members had been detained. Gómez showed her daughter their U.S. residency documents to reassure her. The child asked to make copies for her classmates, hoping they would protect them too.

‘Time To Be an Adult’

Back in East Los Angeles, Damian is living with one of his aunts and struggling to adapt to not having his father around. He said his grades have dropped because he can’t focus in school. He no longer wants to do things he used to enjoy with his dad, such as going out to eat.

“Fun is over,” he said. “It’s time to be an adult right now.”

A man and woman embrace as they stand in front of a window and pose for a portrait
Damian embraces his aunt Claudia Zermeño, who has taken legal guardianship of him since his father was deported to Mexico. She’s caring for him, her two children, and her mother. (Karla Gachet for KFF Health News)
Two women stand in front of a sink and a window as they prepare food in a kitchen
Damian’s aunts prepare lunch at the home the 15-year-old shared with his dad. (Karla Gachet for KFF Health News)
A man and woman stand in front of a sink and an open window as they prepare food in a kitchen
The two women have stepped in to take care of Damian, who has numerous health issues, since their brother was deported. (Karla Gachet for KFF Health News)

Being without his father has forced Damian to become more independent, he and his aunt Claudia Zermeño said. Before, his dad did almost everything for him. Now, Damian does his own laundry, helps with housework, and styles his own hair. He’s protective of his aunts, who are both devastated by their brother’s absence; he hugs them frequently and tells jokes to try to cheer them up. He doesn’t want to upset them more by showing his own sadness.

Damian receives therapy both in and outside of school. He said he’s learned breathing exercises that have helped, but he still feels sad and worried a lot of the time. Sometimes he feels angry.

“I try my hardest to think, to stay focused,” he said. “But with everything that’s going on, I can’t keep the facade of ‘everything’s normal’ when I feel heartbroken.”

Saúl Zermeño, now living in Guadalajara, said he’s worried about his son’s health. Damian has a genetic condition called neurofibromatosis Type 1, which causes tumors to grow on nerve tissue in his body, including one in his head that, if not checked regularly by a doctor and monitored by his family, could interfere with his brain. He also suffers from epilepsy and was born with only one kidney, which means he tires easily and doesn’t play sports. Saúl is afraid his son won’t get the care he needs without him there. As Damian’s legal guardian, Claudia Zermeño is doing everything she can for him, but she has two children of her own and is also caring for her mother, who has neurological problems from a stroke.

Damian talks with his dad as often as he can. He hopes to visit his father in Mexico, but he doesn’t have a passport and, as a minor under 16, there are more requirements to get one without his dad present. Saúl is working with an attorney to get permission to legally return to the U.S., but the process is complicated and uncertain.

So, for now, Damian’s hanging on to hope that his dad will be allowed to return and is trying to become the man he believes he should be. He’s making plans to get his driver’s license when he turns 16 this month. He’s given up his goal of going to college and instead wants to get a job right after high school to help his aunts and send money to his dad.

He still cries, but only when he’s alone in his room.

A person holds a smartphone as they sit on a bed
Damian talks to his father over video chat. (Karla Gachet for KFF Health News)
KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

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Democrats Seek To Spotlight Rising Health Costs by Forcing Vote on Trump Regulation

In a move that mixes pure politics with weedy congressional procedures, Senate Democrats are seeking to force a vote to overturn a Trump administration rule that they say will make it harder to enroll in Affordable Care Act health plans and sharply raise out-of-pocket costs for those who do.

The measure is unlikely to pass in the Republican-controlled Congress, but Democrats could use the vote against their opponents on the campaign trail.

When the ACA rule was released in May, the Trump administration touted it as a means to combat enrollment fraud, lower premiums for some people, and offer a wider range of insurance plans, including ones with no set network of doctors or hospitals.

But many Democrats warned the changes would hurt consumers already suffering from high healthcare costs as well as higher prices for gas, groceries, and other household needs. Estimates from the administration found the regulation, called a notice of benefit and payment parameters, could cause up to 2 million people to lose ACA coverage.

Senate Minority Leader Chuck Schumer and fellow Democratic Sens. Tammy Baldwin of Wisconsin and Ron Wyden of Oregon plan to introduce on Wednesday a Congressional Review Act resolution to block the rule.

Baldwin told KFF Health News in a statement that the rule is “misguided” and said she was “committed to doing everything she can” to stop Republicans from “kicking Americans off their health care.”

The directive from the Centers for Medicare & Medicaid Services is an annual exercise that sets standards for ACA coverage during the coming year. Some of the changes in the finalized 2027 rule are technical, but many would affect consumers directly.

They include tighter income verification requirements. The rule also stipulates more eligibility checks on people applying outside of the normal annual enrollment period for such reasons as marriage, divorce, or loss of job-based coverage.

ACA plans themselves would look different too. Insurers would be able to offer some plans with 30% higher out-of-pocket limits (the amount consumers may have to pay each year in cost sharing such as copayments and deductibles), with a new ceiling as high as $15,600 for individual coverage or $31,200 for a family plan.

The Democrats’ effort to overturn the rule is the definition of a long shot; it would need a majority of votes in both the House and the Senate. But simply forcing a floor vote is likely to be seen as a win by the minority party.

“What Democrats are trying to do is get Republicans to vote on policies that would be unpopular if they rose to the level of public consciousness,” said Adrianna McIntyre, an assistant professor in the Department of Health Policy and Management at the Harvard T.H. Chan School of Public Health. “Democrats want to showcase that they want to change these policies, even if don’t have the votes to accomplish it.”

Congress has authority under the review act — enacted as part of a larger law in 1996 — to overturn rules issued by federal agencies. While more than 40 such disapproval resolutions have passed, hundreds have been introduced, often mainly to draw attention to an issue.

It is one of the few levers a minority party has to force action on the floor of the Senate.

That’s because if only 30 senators sign a discharge petition to send the measure to the floor, the Democrats get a vote, without needing to go through a Republican-controlled committee or hold a hearing. A companion resolution is expected to be introduced in the House on June 17.

And there’s no doubt that Democrats will try to use any floor vote on health costs as a litmus test for Republicans in the November elections.

“Time and again Democrats have used Republican efforts to undermine the ACA to their political advantage in campaigns, and this year will be no different,” said Larry Levitt, executive vice president for health policy at KFF, a health information nonprofit that includes KFF Health News.

Polls show that the GOP could be vulnerable if Democrats can convince voters their party would do better on health costs, which are a top concern among voters.

A recent Pew poll, for example, found that 73% of adults see healthcare costs as a very big problem for the country, leading both inflation and the federal budget deficit. KFF’s tracking polls have found healthcare costs to be a top concern, even among Make America Healthy Again supporters allied with President Donald Trump.

At least half of people who identify as MAHA voters say those health costs will have a “major impact” on their decision to vote and which party they support.

Medical costs in general typically rise faster than inflation, driven by increased hospital and doctor bills and use of drugs, devices, and other healthcare. That leads to higher costs for employers that offer health plans to their workers and for taxpayer-supported programs such as Medicare and Medicaid, as well as higher premiums for insurance plans sold under the ACA. The consultancy PwC projects the cost to treat patients this year will rise by 9%, the highest in nearly two decades.

Higher premiums and lower subsidies also hit many ACA enrollees this year, with about 1.2 million fewer sign-ups than for 2025 as of January.

Costs “are a good Democratic talking point,” said Joseph Antos, a former government health official who is now a senior fellow emeritus at the right-leaning American Enterprise Institute. “Trump was going to solve inflation, and instead, what do we have?”

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

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Early-Onset Cancers Are on the Rise. Knowing Your Family History Is Crucial.

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Listen in and play along as hosts Cara Anthony and Blake Farmer test their knowledge with a HealthQ quiz on detecting early-onset cancers.

(Candice Evers for WPLN and KFF Health News)

Bryce Ramsey of Madison, Mississippi, was 33 when she was diagnosed with colorectal cancer. Upon noticing blood in her stool, she blamed the hemorrhoids she’d developed after delivering her son eight years earlier.

Ramsey didn’t initially link her symptoms to cancer.

“But I had just kind of made a deal with myself because the blood was starting to become more frequent,” she said. “I was like, ‘If this happens the next time I go to the bathroom, I’m going to make a call.’”

She saw more blood, and she reached out to a gastrointestinal clinic to get it checked out, just in case. Her doctor said she normally wouldn’t scope someone Ramsey’s age, “‘but something in my gut is just telling me I need to do so,’” Ramsey recalled. “And thank God she did because she found a 5-centimeter polyp.”

Ramsey had surgery, endured chemotherapy, and survived stage 3 colon cancer. Now 40, she volunteers for the Colorectal Cancer Alliance, a nonprofit advocacy group, to raise awareness of early-onset colorectal cancer.

Stories like hers are becoming increasingly common: In the U.S., more than a dozen kinds of cancer are on the rise in adults under 50. Among these early-onset cancers, colorectal and breast cancers have increased the most, and colorectal cancer is now the deadliest cancer for Americans ages 18 to 49.

Here’s what to know about detecting early-onset cancers.

1. Family history is one of the most important risk factors.

Researchers have not been able to find a single cause for the rise in early-onset cancers. Instead, research suggests a myriad of factors play a role, including obesity, heavy alcohol use, environmental factors such as microplastics, and disruptions to gut health.

Doctors generally follow population-level guidelines for routine screenings — such as recommending mammograms starting at age 40 to screen for breast cancer — but physicians might recommend some patients get screenings as early as in their 20s. Doctors weigh a patient’s personal risks, including their family history of cancer.

Ramsey learned only after her diagnosis that her grandfather previously had colorectal cancer. “If I would’ve known that I had a significant family history, I would’ve been scoped a lot younger,” she said. “My doctor said my tumor had probably been growing for seven to 10 years.”

After her diagnosis, she encouraged her father, aunt, and brother to get screened. All three were diagnosed with colon cancer, too, and survived after receiving treatment.

Ramsey said it can be uncomfortable to urge family members to get tested or to talk with them about private health information, but those conversations are worth having to save a life.

“Just ask the question or make a joke about it. And sometimes just little icebreakers will help,” she said.

2. Report unusual symptoms as quickly as possible.

Being vigilant about unusual body changes or symptoms — and reporting those to your physician — gives doctors the information they need to determine your personal risk for cancer.

“For example, a lump in the breast, abdominal pain, changes in bowel habits that really are not going away,” said oncologist Veda Giri, director of the Early Onset Cancer Program at Yale Cancer Center. “Certainly blood in the stools. Sometimes even symptoms such as unusual fatigue that doesn’t seem to go away.”

“It’s incredibly important to bring symptoms to your doctor,” Giri said.

3. Talk, then test, then talk again.

Ads for at-home cancer tests are everywhere, so you might be tempted to use a screening kit instead of going in for an office visit or a standard screening, like a colonoscopy.

But not all tests are created equal, Giri said. It can be hard for laypeople to understand the accuracy of at-home screening kits, so they should talk to their doctor first.

“Some of these tests could lead to a  false sense of either reassurance or false anxiety and alarm,” she said.

For people who decide to move forward with an at-home test, experts say they still need to consult with a physician. If you get any sort of abnormal result, your doctor is going to want to follow up with additional testing, such as a colonoscopy. Sharing your results, regardless of outcome, will help inform your care.

People and Policy

The U.S. Preventive Services Task Force recently changed the recommended age for women to begin mammogram screenings for breast cancer from 50 to 40. But there’s a difference of opinion among national advocacy and medical groups about whether regular screenings should happen every year or every other year.

In 2021, the same task force lowered the recommended age to 45 for a first colonoscopy for colon cancer detection for people with average risk. Establishing a relationship with a trusted medical practitioner can help patients assess personal risk and sort through new information as research and public health guidance evolve.

If you feel uncertain about your personal risk for cancer or when you should start cancer screenings, one of the best ways to advocate for your health is to establish a relationship with a medical practitioner you trust and ask specifically about your cancer risk. You can also ask to consult with a genetic cancer risk specialist, a type of medical provider who helps patients evaluate their cancer risk, often with genetic testing.

This installment is part of HealthQ’s reporting on caregiving among the sandwich generation. For more, check out the series archive.


Katherine Ruppelt and Emily Siner at Nashville Public Radio contributed to this report.


HealthQ is a health series from reporters Cara Anthony and Blake Farmer, approachable guides to an unapproachable healthcare system. It’s a collaboration between Nashville Public Radio and KFF Health News.

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

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They’re Uninsured After Obamacare Became Too Costly. And They’re Far From Alone.

SUGAR GROVE, N.C. — Year after year, Ross and Rebecca Tobiassen saw their healthcare costs rise, having relied on the Affordable Care Act for federally subsidized health insurance since its start in 2014. Year after year, the couple in western North Carolina kept their coverage, believing the peace of mind was worth the cost.

But in December, that changed. The Tobiassens decided to cancel their insurance when Rebecca saw the cost of their monthly premiums would jump from $130 to more than $550.

“It makes no sense,” she said. “It’s not worth it anymore.”

The couple own and are the only employees of a small auto shop just west of Appalachian State University in the North Carolina mountains. Rebecca worries about her husband, whose work as a mechanic can be dangerous. A spring once shot a metal ball joint into their garage wall like a gun. A heavy object crushed Ross’ thumb. In 2020, Ross became mostly blind in one eye after repeatedly getting metal shards in it and developing an infection in his cornea.

The Tobiassens are among the Americans who canceled their ACA coverage after Congress allowed enhanced tax credits that helped pay for insurance plans to expire at the end of 2025. The Tobiassens benefited from those tax credits — like millions of other enrollees expected to drop or be dropped from their coverage as the year progresses, unable to keep up with the higher costs.

Established by the Biden administration’s American Rescue Plan Act during the covid pandemic, the expanded subsidies reduced monthly premiums for many families and prompted a tidal wave of new sign-ups, doubling ACA enrollment to about 24 million.

The Centers for Medicare & Medicaid Services is expected to soon release complete data on how many people are no longer covered under the ACA, but an early analysis from KFF, citing Wakely Consulting Group research, showed enrollment could drop from over 22 million at the end of 2025 to as low as 16.5 million in 2026. 

In North Carolina, individual ACA sign-ups for 2026 were down 22% compared with the year before, a greater drop than any other state, amounting to a decrease of more than 213,000 people, according to enrollment data. While the Tobiassens’ two teenage daughters remain on Medicaid, Rebecca said the new prices showed that the federal government doesn’t care about families like hers.

“We’ve known that you don’t care about us,” she said, “but you’re making it plain and simple now.”

Ross Tobiassen sits in a chair inside a home office. His wife Rebecca looks at him.
Ross Tobiassen became mostly blind in his left eye after repeatedly getting metal shards in it while at work in his auto shop and developing an infection in the cornea. (Andrew Jones/KFF Health News)

The couple’s insurance hadn’t helped them cover all their medical needs. When the pain from Ross’ eye infection worsened five years ago, Rebecca insisted he go to a specialist, who told them that fixing the eye through cornea replacement surgery would cost them up to $30,000 and require Ross to take six months off.

Ross chose a less expensive treatment to kill nerves in the eye instead.

The couple know they’re taking a risk by not being insured. If something were to happen, they could face an enormous medical bill.

Ross, 47, said the blindness in the one eye doesn’t significantly affect his job. He works long hours, sometimes into the night to keep up with demand.

“I try not to think about it too much,” he said. “I just work.”

Katie Alexander oversees volunteers for Pisgah Legal Services, a western North Carolina nonprofit that helps low-income people secure health insurance. Alexander has helped North Carolina and Tennessee residents try to get ACA marketplace plans since Obamacare’s launch. She said she’s never seen anything like this year. 

Nearly 100 Pisgah clients, out of about 700 that Alexander’s team worked with during open enrollment, decided to drop insurance this year, and many others chose cheaper ACA plans with less coverage, Alexander said. 

Alexander said the people who have dropped their coverage include Lyft and Uber drivers. They’re trying to start their own businesses. They are artists and people who can work only part-time, because they’re chronically ill. Some are unable to get insurance through their employers, or they make too much to be on Medicaid.

“Even for folks who don’t have chronic illnesses,” Alexander said, “there’s just this nagging at the back of your mind, kind of constantly, of: ‘Don’t get hurt. Don’t get sick. Because you can’t afford that.’”

ACA premiums and deductibles steadily increased for years starting in 2022, then spiked during the enrollment period for 2026 plans, according to data analyzed by KFF. The Tobiassens have seen every dip and rise in plan costs since 2014 when the plans launched. They joined immediately and paid about $30 a month, Rebecca Tobiassen said.  

“You actually felt like you were benefiting,” she said.

But through the years as the marketplace became more expensive, the couple made concessions, switching at one point from a silver plan — historically the most popular — to a bronze. The plan mostly provided for the couple’s basic needs.

As they saw their deductibles and premiums rise over more than a decade, Rebecca feared the day would come when they could no longer afford even the cheapest plan.

“Plans are unaffordable, no matter how you cut it,” said Risha Gidwani, a healthcare policy researcher at the University of Colorado Anschutz School of Medicine. “It’s just who is shouldering the unaffordability.” 

Ross Tobiassen looks at supplies in his mechanic garage. A white SUV is parked behind him with its front hood popped open.
Ross Tobiassen built his auto shop, which he owns with his wife, next to his home on his property in western North Carolina. (Andrew Jones/KFF Health News)
A sign for Ross Auto Repair, owned by Ross and Rebecca Tobiassen.
Ross Tobiassen says his job as a mechanic can be dangerous — he works late into the evenings sometimes to keep up with demand. (Andrew Jones/KFF Health News)

Gidwani and health economist Cheryl Damberg, in a study published earlier this year, found that most bronze plans, the cheapest ACA options for many, would be unaffordable without subsidies for the average person using the federal healthcare coverage.

Without subsidies, many families using these plans don’t make enough to afford premiums or deductibles, Gidwani’s research shows.

People who drop health insurance also change what’s known as the “risk pool,” Gidwani said, when a group of people share financial hazards. 

If healthier people drop out of the risk pool, fewer people subsidize the people who get sick, Gidwani said. That means premiums for the people who get sick will increase again in the future, she added.

“That becomes what we call a death spiral,” Gidwani said.

Even if the subsidies hadn’t expired, taxpayers would have borne an estimated $350 billion burden over the next decade to cover them, Gidwani’s study noted.

After dropping coverage they’d relied on for 11 years, the Tobiassens have no plans to return to the ACA marketplace. They looked into alternative options through a faith-based healthcare organization but decided to go without.

For now, they don’t have a plan B. They’ve set aside some money for a medical emergency. And if their savings run out, Rebecca Tobiassen said, they have a couple of last resorts to lean on: credit cards or family members.

Are you struggling to afford your health insurance? Have you decided to forgo coverage? Click here to contact KFF Health News and share your story.

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

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