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Young Americans Struggle with Health Insurance After ACA Changes

Clearwater Free Clinic faces a 140% rise in new patients due to expired Affordable Care Act subsidies, prompting urgent fundraising for expanded services.

  • Since the fall, the Clearwater Free Clinic has seen a 140% increase in new patients, clinic leaders attribute the surge to the expiration of enhanced Affordable Care Act premium subsidies.
  • After the federal tax credits lapsed, national enrollment figures show a 1.4 million drop, roughly a 6% decline, according to The New York Times last week.
  • Patient Judy Jackson sought care at the clinic after her husband’s October strokes due to lack of insurance, while the clinic offers checkups and sold out tickets for its fundraiser at the FrankCrum campus in Clearwater.
  • Free and sliding-scale clinics now face increased demand from people making 250% or less of federal poverty guidelines, while emergency departments and hospitals warn of longer wait times and stressed finances.
  • The Urban Institute and Robert Wood Johnson Foundation estimate 4.8 million Americans could lose coverage without ACA subsidies, while Congress debates extensions and Colorado and California allocate limited aid.
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ACA Signups broke the news in on Friday, January 23, 2026.
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