New A.C.A. Plans Could Increase Family Deductibles to $31,000

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by Reed Abelson

February 26, 2026

AI-Generated Deep Dive Summary

The Trump administration has proposed new Obamacare plans aimed at reducing health insurance premiums, but these changes have sparked significant controversy. Critics argue that while the plans may lower premiums for some, they would dramatically increase family deductibles to $31,000, potentially making healthcare unaffordable for many. This shift could leave families facing substantial out-of-pocket costs, which critics warn could deter people from seeking necessary medical care. The proposed changes include higher deductibles and reduced subsidies for certain plans, which the administration claims will lower premiums by billions of dollars. However, experts caution that these savings come at a cost. Families would be required to pay more before insurance kicks in, with some estimates suggesting that out-of-pocket expenses could reach tens of thousands of dollars. This financial burden could force many families to delay or forgo medical treatment, raising concerns about the overall affordability and accessibility of healthcare. This issue matters deeply to readers interested in news because it directly impacts the health and financial stability of millions of Americans. The debate over these plans highlights the ongoing tension between lowering costs and ensuring that healthcare remains accessible. For those reliant on Obamacare, the proposed changes could have far-reaching consequences, affecting not only their wallets but also their ability to maintain good health. As the administration defends its approach, critics argue that such measures risk undoing the progress made in expanding affordable healthcare under the Affordable Care Act.

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Originally published on NYT Homepage on 2/26/2026