NEW YORK (AP) — For one Wisconsin couple, the loss of government-sponsored health subsidies next year means choosing a lower-quality insurance plan with a higher deductible. For a Michigan family, it means going without insurance altogether.
For a single mom in Nevada, the spiking costs mean fewer Christmas gifts this year. She is stretching her budget already while she waits to see if Congress will act.
Less than three weeks remain until the expiration of COVID-era enhanced tax credits that have helped millions of Americans pay their monthly fees for Affordable Care Act coverage for the past four years.
The Senate on Thursday rejected two proposals to address the problem and an emerging health care package from House Republicans does not include an extension, all but guaranteeing that many Americans will see much higher insurance costs in 2026.
Here are a few of their stories.
Chad Bruns comes from a family of savers. That came in handy when the 58-year-old military veteran had to leave his firefighting career early because of arm and back injuries he incurred on the job.
He and his wife, Kelley, 60, both retirees, cut their own firewood to reduce their electricity costs in their home in Sawyer County, Wisconsin. They rarely eat out and hardly ever buy groceries unless they are on sale.
But to the extent that they have always been frugal, they will be forced to be even more so now, Bruns said. That is because their coverage under the health law enacted under former President Barack Obama is getting more expensive -– and for worse coverage.
This year, the Brunses were paying $2 per month for a top-tier gold-level plan with less than a $4,000 deductible. Their income was low enough to help them qualify for a lot of financial assistance.
But in 2026, that same plan is rising to an unattainable $1,600 per month, forcing them to downgrade to a bronze plan with a $15,000 deductible.
Kelley Bruns said she is concerned that if something happens to their health in the next year, they could go bankrupt. While their monthly fees are low at about $25, their new out-of-pocket maximum at $21,000 amounts to nearly half their joint income.
“We have to pray that we don’t have to have surgery or don’t have to have some medical procedure done that we’re not aware of,” she said. “It would be very devastating.”
Dave Roof’s family of four has been on ACA insurance since the program started in 2014. Back then, the accessibility of insurance on the marketplace helped him feel comfortable taking the leap to start a small music production and performance company in his hometown of Grand Blanc, Michigan. His wife, Kristin, is also self-employed as a top seller on Etsy.
The coverage has worked for them so far, even when emergencies come up, such as an ATV accident their 21-year-old daughter had last year.
But now, with the expiration of subsidies that kept their premiums down, the 53-year-old Roof said their $500 per month insurance plan is jumping to at least $700 a month, along with spiking deductibles and out-of-pocket costs.
With their joint income of about $75,000 a year, that increase is not manageable, he said. So, they are planning to go without health insurance next year, paying cash for prescriptions, checkups and anything else that arises.
Roof said his family is already living cheaply and has not taken a vacation together since 2021. As it is, they do not save money or add it to their retirement accounts. So even though forgoing insurance is stressful, it is what they must do.
“The fear and anxiety that it’s going to put on my wife and I is really hard to measure,” Roof said. “But we can’t pay for what we can’t pay for.”
If you ask Katelin Provost, the American middle class has gone from experiencing a squeeze to a “full suffocation.”
The 37-year-old social worker in Henderson, Nevada, counts herself in that category. As a single mom, she already keeps a tight budget to cover housing, groceries and day care for her 4-year-old daughter.
Next year, that is going to be even tougher.
The monthly fee on her plan is going up from $85 to nearly $750. She decided she is going to pay that higher cost for January and reevaluate afterward, depending on whether lawmakers extend the subsidies, which as of now appears unlikely. She hopes they will.
If Congress does not act, she will drop herself off the health insurance and keep it only for her daughter because she cannot afford the higher fee for the two of them over the long term.
The strain of one month alone is enough to have an impact.
“I’m going to have to reprioritize the next couple of months to rebalance that budget,” Provost said. “Christmas will be much smaller.”
FILE - Pages from the U.S. Affordable Care Act health insurance website healthcare.gov are seen on a computer screen in New York, Aug. 19, 2025. (AP Photo/Patrick Sison, File)
SYDNEY (AP) — Two gunmen opened fire during a Hanukkah celebration on Sydney's Bondi beach, killing 15 people, including a child, officials said Monday, in what Prime Minister Anthony Albanese called an act of antisemitic terrorism that struck at the heart of the nation.
The massacre at one of Australia’s most popular beaches followed a wave of antisemitic attacks that have roiled the country over the past year, although the authorities didn’t suggest those and the shooting Sunday were connected. It was the deadliest shooting in almost three decades in a country with strict gun control laws.
One gunman, a 50-year-old man, was fatally shot by police. The other shooter, his 24-year-old son, was wounded and was being treated at a hospital, said Mal Lanyon, New South Wales police commissioner.
Police said one gunman was known to security services, but Lanyon said authorities had no indication of a planned attack.
Those killed were aged between 10- and 87-years-old, New South Wales Premier Chris Minns told reporters. At least 38 others were injured in the attack.
“What we saw yesterday was an act of pure evil, an act of antisemitism, an act of terrorism on our shores in an iconic Australian location, Bondi Beach, that is associated with joy, associated with families gathering, associated with celebrations,” Australian Prime Minister Anthony Albanese said Monday.
“It is forever tarnished by what has occurred.”
Police pledged a “thorough” investigation, Lanyon said. Authorities were not looking for anyone else in connection with the massacre.
The violence erupted at the end of a summer day when thousands had flocked to Bondi Beach, including hundreds gathered for the Chanukah by the Sea event celebrating the start of the eight-day Hanukkah festival.
Chabad, an Orthodox Jewish movement that runs outreach worldwide and sponsors events during major Jewish holidays, identified one of the dead as Rabbi Eli Schlanger, assistant rabbi at Chabad of Bondi and an organizer of the event.
Israel’s Foreign Ministry confirmed the death of an Israeli citizen, but gave no further details.
Police said emergency services were called at about 6:45 p.m., responding to reports of shots being fired. Video by onlookers showed people in bathing suits running from the water as shots rang out. Separate footage showed two men in black shirts firing with long guns from a footbridge leading to the beach.
One dramatic clip broadcast on Australian television showed a man appearing to tackle and disarm one gunman, before pointing the man’s weapon at him, then setting the gun on the ground.
Minns called the man, identified by relatives to Australian media as fruit shop owner Ahmed al Ahmed, a “genuine hero.”
Arsen Ostrovsky, a lawyer attending the Hanukkah ceremony with his wife and daughters, was grazed in the head by a bullet. Ostrovsky said he moved from Israel to Australia two weeks ago to work for a Jewish advocacy group.
“What I saw today was pure evil, just an absolute bloodbath. Bodies strewn everywhere,” he told The Associated Press in an email from the hospital. "I never thought would be possible here in Australia."
Lachlan Moran, 32, from Melbourne, told the AP he was waiting for his family when he heard shots.
"I sprinted as quickly as I could," Moran said. He said he heard shooting off and on for about five minutes. “Everyone just dropped all their possessions and everything and were running and people were crying and it was just horrible."
Albanese vowed the violence would be met with “a moment of national unity where Australians across the board will embrace their fellow Australians of Jewish faith.”
King Charles III said he and Queen Camilla were “appalled and saddened by the most dreadful antisemitic terrorist attack.” United Nations Secretary-General António Guterres said on X he was horrified, and his “heart is with the Jewish community worldwide.”
U.S. Secretary of State Marco Rubio said in a post on X: “The United States strongly condemns the terrorist attack in Australia targeting a Jewish celebration. Antisemitism has no place in this world.”
Police in cities around the world, including London, said they would step up security at Jewish sites.
Australia, a country of 28 million people, is home to about 117,000 Jews, according to official figures. Antisemitic incidents, including assaults, vandalism, threats and intimidation, surged more than threefold in the country during the year after Hamas attacked Israel on Oct. 7, 2023, and Israel launched a war on Hamas in Gaza in response, the government's Special Envoy to Combat Antisemitism Jillian Segal reported in July.
Last year, the country was rocked by antisemitic attacks in Sydney and Melbourne. Synagogues and cars were torched, businesses and homes graffitied and Jews attacked in those cities, where 85% of the nation’s Jewish population lives.
Albanese in August blamed Iran for two of the attacks and cut diplomatic ties to Tehran.
Pastor Matt Graham, who was conducting a service at Bondi Anglican Church when panicked people began entering for shelter, said antisemitism has been brewing in Sydney’s eastern suburbs including Bondi, where the Jewish community is centered.
“I’m surrounded by antisemitic graffiti constantly,” Graham told the Australian Broadcasting Corp. "As a Christian, I just want to declare I stand with the people of Israel.”
Israel urged Australia's government to address crimes targeting Jews. Prime Minister Benjamin Netanyahu said he warned Australia’s leaders months ago about the dangers of failing to take action against antisemitism. He claimed Australia's decision — in line with scores of other countries — to recognize a Palestinian state “pours fuel on the antisemitic fire.”
“Your government did nothing to stop the spread of antisemitism in Australia ... and the result is the horrific attacks on Jews we saw today,” Netanyahu said.
His office released safety recommendations Monday for Israelis traveling abroad, including avoiding large gatherings that don’t have security, especially events at synagogues and Hanukkah gatherings. It also called for heightened awareness at Jewish and Israeli sites.
Mass shootings in Australia are extremely rare. A 1996 massacre in the Tasmanian town of Port Arthur, where a lone gunman killed 35 people, prompted the government to drastically tighten gun laws, making it much more difficult to acquire firearms.
Significant mass shootings this century included two murder-suicides with death tolls of five people in 2014 and seven in 2018, in which gunmen killed their own families and themselves.
In 2022, six people were killed in a shootout between police and Christian extremists at a rural property in Queensland state.
McGuirk reported from Melbourne, Australia, and Graham-McLay from Wellington, New Zealand. Associated Press writers Melanie Lidman in Tel Aviv, Israel, and Mustakim Hasnath in London contributed to this report.
Police patrol in the early morning following a shooting Sunday at Sydney's Bondi Beach, Monday, Dec. 15, 2025. (AP Photo/Mark Baker)
A motorcycle lies on the ground in the early morning near the site of a shooting Sunday at Sydney's Bondi Beach, Monday, Dec. 15, 2025. (AP Photo/Mark Baker)
A small Christmas tree is at the center of an abandoned holiday picnic at Bondi Beach after a reported shooting in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Bystanders stay where police cordon off an area at Bondi Beach after a reported shooting in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Emergency workers transport a person on a stretcher after a reported shooting at Bondi Beach in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Emergency workers standby at Bondi Beach after a reported shooting in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Emergency workers transport a person on a stretcher after a reported shooting at Bondi Beach in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Emergency workers transport a person on a stretcher after a reported shooting at Bondi Beach in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Emergency workers transport a person on a stretcher after a reported shooting at Bondi Beach in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Emergency workers transport a person on a stretcher after a reported shooting at Bondi Beach in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Emergency workers transport a person on a stretcher after a reported shooting at Bondi Beach in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
Emergency workers transport a person on a stretcher after a reported shooting at Bondi Beach, in Sydney, Sunday, Dec. 14, 2025. (AP Photo/Mark Baker)
