Ginny Murray says she and her husband, Chaz, are out of options for health insurance. In January, their premiums are expected to rise higher than they’ve ever gone up before, putting the cost out of reach.

The Arkansas couple plan to drop their coverage, betting their savings will be enough if unexpected illness strikes.

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“Our plan is to keep putting the money we’re already paying towards health care in savings,” said Murray, whose insurance is covered through the Affordable Care Act, “and really just hoping that we don’t have a stroke or we don’t have a heart attack.”

They’re part of a broader shift taking shape as enhanced subsidies for ACA premiums are set to expire at the end of the year. Without them, many

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