"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 percent.""
"I practice in a relatively affluent area of New Jersey where, perhaps, some therapy clients would be able to pay out of pocket, however I choose to accept insurance for a simple reason-it not only creates access to mental health services, but also that most working Americans (despite their socioeconomic status) would prefer to use the health benefits that they pay into, either through their paychecks or through the ACA marketplace."
Several therapy clients received notices that their insurance premiums will increase next year due to changes to the Affordable Care Act. If ACA premium tax credits expire, premiums are predicted to increase by an average of 75 percent in 2026, according to Johns Hopkins Bloomberg School of Public Health. One household could see a premium rise from $1,600 to $3,400 monthly. Accepting insurance expands access to mental health care and aligns with how most working Americans use benefits. Sharp premium increases and Medicaid cuts will threaten clients' ability to afford therapy, harming general mental health and creating potentially lasting psychological damage.
Read at Psychology Today
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