Key points

For some therapy clients, access to services is at risk as insurance premiums are set to skyrocket.

Cuts to the Affordable Care Act and Medicaid create significant obstacles to mental health services.

The psychological effect of cuts and changes to longstanding programs may be long-lasting and irreversible.

In the past week, I have had three clients tell me that they have received letters from their insurance companies stating that their premiums will increase in the new year due to the changes to the Affordable Care Act (ACA). According to the Johns Hopkins Bloomberg School of Public Health, if ACA premium tax credits expire at the end of the year, which seems more likely as the government shutdown continues, “premiums are predicted to increase for 2026 by an average of 75

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