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Navigator Cuts Leave Americans with Less Help Finding Affordable Care Act Plans

Nearly 90% of Ohioans with 2025 plans used temporary subsidies that ended Dec. 31, driving sharp premium increases.

  • In one of its first acts, the second Trump administration cut annual funding for health insurance navigators by 90%, reducing the budget from $100 million to $10 million, leaving only five navigators to assist Ohioans by November 1.
  • The December 31 expiration of pandemic-era subsidies caused marketplace premiums to rise sharply, with some monthly costs increasing from $40 to $400, leaving many Americans struggling to maintain coverage.
  • After 30 minutes on the ACA hotline, Tonya Horn of Cleveland Heights and navigator Kimberly Dudley found no affordable HealthCare.gov options, as Horn's $624 weekly unemployment payments disqualified her from Medicaid.
  • National marketplace enrollment slid 5%, while Ohio saw a 20% decline, the second-largest drop among the 50 states; data from the Centers for Medicare & Medicaid Services shows coverage dropped by about 1.2 million Americans since March 26.
  • California and at least nine other states are using funds to buffer residents from the price shock, though only New Mexico is filling the gap; Executive Director Charlotte Rudolph of UHCAN Ohio said, "They're making that tough decision to say, 'I hope I don't get sick.
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Hanford SentinelHanford Sentinel
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Navigator cuts leave Americans with less help to find Obamacare plans

CINCINNATI — For four years, Kimberly Dudley has worked on the front line of the Affordable Care Act as a navigator, helping Ohioans solve the puzzle of buying private insurance on the federal HealthCare.gov marketplace. But the job is harder…

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stateline.org broke the news in on Monday, April 6, 2026.
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