After years of growth, advocates fear Affordable Care Act is going backward

Months away from 2026, Amanda Sherman worries often about how the new year will change her health care. Sherman, a broker’s assistant in a real estate office, buys her health insurance through the federal health insurance marketplace, HealthCare.gov. Her coverage has helped her through a chronic illness and critical health setbacks.

Her health plan costs her $300 a month. Without it, she says she couldn’t afford the weekly shots that she gets for lupus — a chronic autoimmune disorder she was diagnosed with five years ago.

HealthCare.gov was established in 2014 as part of the Affordable Care Act (ACA). “It’s been there as a great resource when I haven’t been able to get insurance at work,” Sherman says.

In 2026, however, Sherman expects the cost of her health insurance to skyrocket. An enhanced federal subsidy that helped her afford the coverage is set to disappear at the end of this year. When that happens, she isn’t sure what she’ll do.

In the last few years, record numbers of Americans, including record numbers of Wisconsin residents, have been signing up for coverage that the ACA has made possible.

“When we look back over the last decade, the number of uninsured people in our state has dropped by over 200,000 thanks to the Affordable Care Act,” Wisconsin Commissioner of Insurance Nathan Houdek tells the Wisconsin Examiner. “So we’ve seen a lot of success in terms of more people getting health insurance coverage and being able to access the health care they need as a result.”

Advocates warn that that is about to change under policies coming from the administration of President Donald Trump and the Republican majority in Congress.

“It’s going to take apart a lot of the advances that have been made to extend coverage to more people,” says Bobby Peterson, executive director of ABC for Health, which provides nonprofit legal services and advocacy for people caught up in medical debt…