Would you personally be able to budget for individual health insurance earning 110k in WV?

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Lenny and Mandee Wilson, who are 47 years old and live in Charleston, W.Va., paid $255 a month last year for a low-end ACA plan. Late last year, they learned their bill would be going up to $2,155 a month, a sum nearly triple their monthly mortgage payment of about $760.

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The Wilsons each squeezed in one last checkup before the end of 2025 and are now going without insurance. They are planning to put the money they used to spend on their premiums into an emergency fund. They will avoid any preventive care and hope their modest savings can cover any medical costs.

Their ACA insurance wasn’t “the greatest plan, but it gave us some coverage and made sure we wouldn’t go bankrupt if something happened,” said Lenny Wilson, who co-owns an IT business. His wife, Mandee Wilson, makes pottery.

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The couple faced such a big increase because they earn about $110,000 a year combined, or more than 400% of the federal poverty level. That group is hardest hit by the expiring subsidies.

During the pandemic, Congress expanded subsidies for ACA plans to many households earning more than 400% of the poverty level—$62,600 for a single person or $128,600 for a family of four in the contiguous 48 states in 2025.

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