Allowing ACA subsidies to expire has caused millions of Americans to face sudden, unaffordable premium increases that will force families to drop coverage entirely or avoid necessary care. When people lose access to affordable insurance, preventive visits get postponed, prescriptions go unfilled and chronic conditions worsen until they become emergencies that cost everyone more. Stable insurance coverage reduces preventable hospitalizations and lowers long-term spending, making inaction a policy failure that shifts illness and financial strain onto patients with the least margin to absorb them.