---
title: "Rising Health Insurance Premiums Force Some Healthcare Workers to Drop Coverage"
id: "kff-health-news-1-as-health-insurance-costs-soar-healthcare-workers-also-feel-the-pinch"
canonical_url: "https://medichelpline.com/clinical-feed/kff-health-news-1-as-health-insurance-costs-soar-healthcare-workers-also-feel-the-pinch"
content_type: "clinical_feed_article"
specialty: "General"
source_name: "KFF Health News"
source_url: "https://kffhealthnews.org/health-care-costs/uninsured-doctors-obamacare-affordable-care-act-aca-rising-premiums-idaho/"
published_at: "2026-09-22T09:00:00.000Z"
evidence_level: "Verified Feed"
license: "CC-BY-NC-4.0 / Informational Use"
---
# Rising Health Insurance Premiums Force Some Healthcare Workers to Drop Coverage
## Provenance & Clinical Metadata
- **Canonical URL:** https://medichelpline.com/clinical-feed/kff-health-news-1-as-health-insurance-costs-soar-healthcare-workers-also-feel-the-pinch
- **Specialty:** [General](https://medichelpline.com/clinical-feed/general.md)
- **Primary Source:** KFF Health News
- **Source URL:** [Original Journal Publication](https://kffhealthnews.org/health-care-costs/uninsured-doctors-obamacare-affordable-care-act-aca-rising-premiums-idaho/)
- **Published At:** 2026-09-22T09:00:00.000Z
- **Evidence Rating:** Verified Feed
## Executive GIST (TL;DR)
- Healthcare workers are increasingly affected by rising **health insurance** costs; some are choosing to forgo coverage despite working in the industry. - Joshua and Ashley Durham, a primary care physician and pharmacist in Boise, bought ACA marketplace coverage when they started their practice in 2023 but opted out after premiums increased to nearly $1,600 per month. - The Durhams are using about $50,000 saved in a **health savings account** and have spent roughly $9,000 from it this year on medical costs instead of paying premiums. - Nationwide, 7% of healthcare workers were uninsured in 2024 versus 11% of all adults under 65; physicians were least likely to be uninsured (2%), per KFF analysis of American Community Survey data. - Premiums are projected to keep rising, with employers expecting an additional increase for 2027; pandemic-era enhanced ACA marketplace credits were not renewed, reducing subsidies that had helped many, especially those in small businesses and the self-employed. - Nearly half of marketplace enrollees worked for small businesses or were self-employed in 2024; premium increases disproportionately affect these groups, including many in chiropractic care and dentistry. - Small-practice representatives say rising premiums are pushing employers to consider alternatives, such as higher wages or minimal plans, and making standard coverage seem less valuable. - Healthcare workers with chronic conditions, like nurse practitioner Samantha LeGault with Crohn’s disease, may have no option but to keep costly coverage; LeGault reported premium increases from $700 to $1,500 monthly for her family. - Older adults and those who previously benefited from enhanced subsidies, like retired executive Jill Kordick, faced sharp premium increases when subsidies expired and reported delaying care due to high deductibles. - Uninsured healthier people leaving the risk pool can drive insurers to raise prices further, potentially creating a cycle of higher premiums and more people dropping coverage. - Some clinicians report informal exchanges of care or treating relatives despite ethical cautions; bioethicists note practice patterns may need reexamination as access tightens. - Clinicians operating their own practices sometimes provide financial leniency to patients, but also must maintain office revenue; unaffordable patient coverage has tangible effects on practice finances and patient care decisions. - The article draws on interviews with clinicians and analysis of policy changes and data; it notes Congressional decisions and CBO projections linking subsidy expirations and legislation to increases in the uninsured over the next decade.
## Clinical Analysis & Structured Key Points
As Health Insurance Costs Soar, Healthcare Workers Also Feel the Pinch - KFF Health News Skip to main content Priced Out As Health Insurance Costs Soar, Healthcare Workers Also Feel the Pinch By Hayat Norimine Sept. 22, 2026 Republish Ashley and Joshua Durham used the Affordable Care Act marketplace for their health insurance after they began their family medicine practice in Boise, Idaho, in late 2023. But the couple say they opted out of health insurance for their family of four this year after they saw their ACA premium payments jump to nearly $1,600 a month. (Hayat Norimine/KFF Health News) BOISE, Idaho — Joshua and Ashley Durham run a family medicine practice, and for the first time in their lives, they have no health insurance. This story also ran on The Washington Post . It can be republished for free . When the Durhams began their practice at the end of 2023 — he as a primary care physician and she as a pharmacist who handles the billing — the couple bought coverage for themselves and their two kids on the Affordable Care Act marketplace. But they said their monthly premiums for a similar health plan for this year rose several hundred dollars to nearly $1,600. They decided to pay out-of-pocket for their medical expenses instead, leaning on $50,000 they had set aside in a health savings account over several years. “It’s nerve-racking,” said Joshua Durham, 47. “It just takes, you know, one little accident, and then you got a big fat bill.” The healthcare industry traditionally has more of its workforce on medical insurance than many other fields. Nationwide, 7% of all healthcare workers were uninsured in 2024, compared with 11% of all adults under 65, according to a KFF analysis of the most recent American Community Survey data. And doctors were especially unlikely to forgo health insurance, with just 2% uninsured. But even healthcare workers are feeling the pinch as health insurance costs rise each year, with employers expecting that costs will jump an additional 8.2% for 2027. The Republican-led Congress also opted last year not to renew Affordable Care Act marketplace credits enacted during the covid pandemic. While subsidies remain in place for people with low incomes, the pandemic-era credits helped reduce many consumers’ premium payments , especially those working in small businesses such as independent medical practices. Nearly half of marketplace enrollees worked for small businesses or were self-employed in 2024; some of the most common occupations included chiropractic care and dentistry. Jack Dillon, executive director of the Association for Independent Medicine , which represents 4,000 physician-led practices, said premium increases have become untenable for small businesses, whether employers seek coverage through the marketplace or directly from insurers. “The cost has become so astronomical,” Dillon said. “You’re looking at it and saying, ‘What’s the value?’” As health insurance continues to become less affordable, Dillon said, more healthcare employers may seek alternatives to their standard coverage, such as providing higher hourly wages or providing only minimal plans. The number of people without insurance in the U.S. is expected to increase by roughly 15 million over 10 years because of the expiration of the expanded ACA subsidies and $1.1 trillion in estimated cuts resulting from President Donald Trump’s signature One Big Beautiful Bill Act, according to the Congressional Budget Office. Healthier people are the most likely to opt out of insurance. That leaves insurance covering a smaller pool of people who tend to be sicker and need more expensive care. So insurers raise prices to cover the remaining enrollees, which fuels even higher premium costs. Email Sign-Up Subscribe to KFF Health News' free Morning Briefing. Your Email Address Sign Up ‘Healthcare Is a Business’ Samantha LeGault, a nurse practitioner at a health clinic in Boise, said her employer-offered plan’s premium payment rose from $700 to $1,500 a month this year to insure herself, her husband, and four of their kids. LeGault has Crohn’s disease and two of their daughters also have medical conditions, so she said her family has no choice but to continue to pay for that health coverage. But she decided to skip dental insurance to save money, and she prioritizes dental visits for her children over herself. She had already struggled to set aside retirement savings and had switched her children from a private school they liked to public school to cut down on costs. Then the new health insurance costs tightened her budget even more. She estimated that about one-fifth of her income now goes toward her monthly premium payments. “I know how the clinics work, that I am an expensive patient,” LeGault said. “At the end of the day, healthcare is a business in the United States.” Samantha LeGault, a nurse practitioner for a health clinic in Boise, says her medical insurance premium costs rose from $700 to $1,500 a month this year to cover her, her husband, and four of their kids. She has Crohn’s disease, and two of her daughters also have medical conditions. She continues to pay for health coverage but opted to skip dental insurance to reduce their monthly expenses. (Hayat Norimine/KFF Health News) The Durhams have three other employees in their practice. Two of them receive health insurance through their spouses, Ashley Durham said. The Durhams said they pay $420 monthly toward their physician assistant’s premiums. As a primary care physician, Joshua Durham said he doesn’t need regular doctor visits, because he can diagnose and treat himself — and, if needed, the rest of his family, though he acknowledged that’s frowned upon. The American Medical Association’s code of ethics generally discourages doctors from treating themselves or relatives but makes exceptions for emergency situations or short-term, minor problems. Ashley Durham said she’s filled prescriptions for her family. Arthur Caplan , a bioethicist and professor emeritus at New York University’s Grossman School of Medicine, said that as more people are “turning toward relatives because they can’t access or easily see a regular doctor,” it may make sense to revisit that aspect of the code of ethics. Out-of-Pocket Expenses Healthcare workers with less advanced medical certifications than the Durhams often don’t have the option of treating themselves or family members — or don’t have savings to fall back on for healthcare expenses. And many healthcare professionals, such as Jill Kordick, a 64-year-old retired healthcare executive in Norwalk, Iowa, aren’t willing to go without the safety net of insurance. In her work, Kordick saw hospitalizations become financially devastating for patients, so she said she would never opt out of health insurance — even for just the 16 months before she’d become eligible for Medicare at age 65. Last year, she qualified for the enhanced Affordable Care Act tax credits, allowing her to pay $75 a month for health coverage. Her premiums rose to $800 a month this year when those subsidies expired. Because she has a $10,000 deductible, she put off going to the doctor for weeks when she had a sinus infection this year, until it ultimately evolved into an ear infection. She said she regularly rethinks, and sometimes returns, nonessential groceries in her shopping cart. And she keeps her house’s thermostat at 80 degrees in the summer to cut down on air conditioning costs. Kordick said healthcare is a universal struggle in this country, regardless of how familiar patients are with the industry. “It’s disheartening that it’s as broken and fragmented as it is,” she said. The Durhams have seen the impact of unaffordable healthcare on their patients. They said they try to lend some leeway to patients when they can — a luxury they have, operating their own practice. In one case, Ashley Durham said, she wrote off $1,160 in bills for a single father whose son didn’t have health insurance rather than send their bills to a collection agency. “It’s hard, because as a human I want to help them out,” she said. “At the same time, we need revenue for our office.” Joshua Durham is more nervous about going uninsured than his wife. As a child, he witnessed his parents struggling to pay medical bills for their family of nine in south-central Idaho. Durham recalled that his dad, who was a carpenter, helped build a surgeon’s house to pay for an operation. Today, Durham also sometimes exchanges work for care. He said he gets free eye exams from an uninsured optometrist and offers him free primary care. He worries about a worst-case scenario: a car crash, a sports injury, a serious diagnosis. “Do I have pancreatic cancer today?” Durham said wryly. So far, the couple has paid around $9,000 total for expenses out of their health savings account this year, including physical therapy to help with the thoracic outlet syndrome that affects Durham’s neck and shoulder, mental health appointments, and contact lenses. The expenses were higher than the Durhams anticipated. But it was still less than what their monthly premiums would have cost them. Their decision has paid off, Joshua Durham said. At least for now. The Durhams used the Affordable Care Act marketplace for health insurance for their family of four last year. This year, they chose to pay out-of-pocket for care instead when the cost of their premium payments jumped. (Hayat Norimine/KFF Health News) 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. Hayat Norimine hnorimine@kff.org Related Topics Health Industry Healthcare Costs Insurance Doctors Nurses Obamacare Plans Priced Out Idaho We Want To Hear From You Do you have a question or comment for the KFF Health News team? Contact Us More from KFF Health News Priced Out When Health Insurance Costs More Than the Mortgage As health care costs skyrocket and federal lawmakers pull back help on insurance premiums, more middle-income families are facing tough choices on health care. By Renuka Rayasam Feb. 2, 2026 They’re in Remission, but Their Medical Bills Aren’t: Cancer Survivors Navigate Soaring Costs By Renuka Rayasam April 22, 2026 Rising Healthcare Costs Have Hit Georgia’s Most Conservative District. But Its Politics Are Unlikely To Change. By Briah Lumpkins Sept. 15, 2026 1 in 4 Covered California Enrollees Could Get State Aid Under Newsom Proposal By Christine Mai-Duc and Jackie Fortiér June 12, 2026 © 2026 KFF
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