This year, Tami Butters and her husband paid about $500 per month for health insurance for both of them. Next year, the price will double, even with one less person using it.

Butters, 64, expects to pay about $1,000 per month if she keeps the same insurance plan she bought on Colorado’s marketplace this year. Her husband, who is turning 65, will be eligible for Medicare, or they’d have to pay closer to $2,000 in monthly premiums, she said.

They plan to “wait until the last minute” in case Congress acts to extend higher subsidies for people buying insurance on the individual marketplace, and to shop around for the best deal, Butters said. But since they already have one of the less-expensive options, with a $6,500 deductible, they may not find significant savings.

“For us, it means we ma

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