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WEST PALM BEACH, Fla. — The reality that Congress will not renew health care subsidies to start 2026 is now setting in for many who rely on them for health insurance.

"I feel like it was expected, unfortunately, but it was definitely still disappointing," said Lauren Koff , who is self-employed and has health insurance through the Affordable Care Act (ACA) to manage a chronic health condition.

WATCH BELOW: Many facing 'daunting' costs as ACA premiums poised to surge Many facing 'daunting' costs as ACA subsidies end

"I dropped down on my coverage, I went from a gold tier plan to a bronze plan, all of my costs and all of my co-pays will be going up," Koff said.

She still isn't sure exactly what her new premium will be, but she expects it to rise from the cur

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