There was a time when the American Dream meant buying a home, raising a family, and building a future. Today, an increasing number of Americans are discovering that simply keeping health insurance can cost more than the roof over their heads.

The latest data shows that Affordable Care Act marketplace premiums are soaring into 2026. Insurers are raising premiums by an average of roughly 20% to 26%, depending on the market, marking the largest increases in years. Some estimates suggest that if subsidy programs are not renewed, millions of Americans could see their monthly insurance bills more than double. In some cases, families are now paying more for health insurance than they pay on their mortgage.

The politicians sold Obamacare as the solution. They promised lower costs, more competition, and affordable healthcare. Instead, what we witnessed was the exact opposite. Deductibles exploded, premiums climbed year after year, and the insurance market consolidated into fewer and fewer players. The average American now faces a system where they pay thousands of dollars annually in premiums only to discover they still have to meet deductibles that can run into the many thousands before coverage even begins.