tracy rand

ST. CLOUD, Fla. — Florida chef Elijah Button was chopping onions in June when his knife slipped and sliced his middle finger to the bone.

It was his worst kitchen accident to date. But having given up his Affordable Care Act health insurance plan in January because of a $100 monthly premium hike he couldn’t afford, the 21-year-old in St. Cloud didn’t have the money for emergency care.

“Going to the hospital for it wasn’t even an option,” he said, gesturing toward his finger before preparing a pot roast for his aunt and uncle in their suburban home. “My first thought was, ‘how am I going to fix this?’”

After Republicans in Congress let enhanced federal subsidies for Affordable Care Act health plans expire in January, millions of Americans including Button had to decide whether to keep insurance that often doubled or tripled in cost — or risk going without it.

Months later, with no action from lawmakers to replace the lost funds, they’re facing the consequences. Some are dealing with strained budgets and exorbitant medical bills, while others avoid the doctor in fear of the cost.

Florida, whose large population of gig workers, entrepreneurs and small business owners relies heavily on the federal health insurance marketplace, has become one of the nation’s most visible epicenters of that impact.

Figures first reported by The Associated Press showed that about 440,000 Floridians dropped their Affordable Care Act plans this year — more than in any other state. Thousands more who kept coverage are struggling to get by, as prices of necessities like groceries and gasoline remain steep, and health insurers project another year of double-digit premium hikes.

While Florida had the most affected residents, its struggles are reflective of broader nationwide concerns over rising healthcare costs and a lack of meaningful policy to address them.

In the deep-red state where congressional districts were recently redrawn to strongly favor Republicans, the cost of healthcare is a major campaign issue. Republican midterm candidates have been promoting fraud crackdowns to protect federal health programs, while Democrats have been urging voters to help Congress change hands so they can restore subsidies.

Button, who is estranged from his parents, asked his uncle for help with his bloodied finger. With a butterfly bandage, splint and daily cleanings and dressings, it healed. But the scar still gnaws at Button as a symbol of what else could go wrong.

“It just feels like I’m living in a house of cards,” he said.

Florida’s population and politics make it ground zero for ACA fallout

Last fall, debate over the expiring subsidies consumed Congress, resulting in a record 43-day government shutdown as Democrats insisted on extending the COVID-era assistance and most Republicans refused.

Fast forward almost a year and lawmakers rarely reference the topic anymore. The administration says it is addressing affordability with fraud-busting efforts and deals with drug companies, but Congress hasn’t passed any significant legislation to lower health costs.

In part due to its large number of construction, hospitality and small business workers — and also because its Republican-led legislature never expanded the Medicaid safety-net health program — Florida has the largest Affordable Care Act enrollment in the country. At just over 3.8 million enrollees, it represents about a fifth of the nation’s total enrolled population.

Of the roughly 443,000 Floridians who left the marketplace, most are likely going without insurance, according to Cynthia Cox, a vice president at the healthcare research nonprofit KFF. She said that’s because it is typically a “place of last resort” to get coverage.

The data doesn’t tell the stories of those who kept insurance. Tracy Rand, a licensed mental health counselor in Leesburg, Florida, is one of them.

Ever since getting her ovaries removed last year due to benign but painful tumors, she has had severe menopause symptoms that require medication, including an overactive bladder and hot flashes that cause piercing headaches.

She uses clear plastic containers to organize the more than 30 medicines and supplements she takes daily, their bottles crammed into a living-room drawer and a tray on her kitchen counter.

The 51-year-old’s Affordable Care Act plan was going to surge in price this year from $55 a month to $1,100 a month, so she downgraded. Her new plan, with higher deductibles and copays, costs $160 a month.

To make that work in her budget, Rand quit a doctoral program she was working toward, started buying groceries at cheaper stores, gave up once-monthly dinners out with her husband and stopped meeting friends regularly at a paint-your-own pottery studio.

It’s been a difficult adjustment, but a necessary one for her health.

Rand said the prospect of insurers raising rates again fills her with dread.

“I don’t know what else we can get rid of,” she said, covering her face with her hands. “I don’t know if we’re going to have to file bankruptcy.″

Clinics for the uninsured are a saving grace — but they can’t take everyone

In Orlando’s leafy, brick-paved neighborhood of Colonialtown South, Tarsha Watson found her lifeline. A clinic there called Grace Medical Home provides low-income, uninsured Floridians with comprehensive care for a $5 per-visit fee.

Watson, 54, has a master’s degree in business administration, but she hasn’t been able to find work since losing her job two years ago. That means she doesn’t have health insurance. When she explored Affordable Care Act coverage, she was quoted $600 per month, far out of her reach.

At Grace, Watson learned her blood sugar is high and that she needed to lose weight. Now, she walks laps around her backyard pool and does Tai Chi YouTube tutorials to focus on fitness. She said she wishes everyone could have her experience.

“It’s very hard out here,” she said. “It’s not enough.”

At the clinic, patients cycle in and out of a wide hallway lined with appointment rooms as doctors scan supply shelves for complimentary over-the-counter medications. The expansive building has separate areas for dental, mental health, vision and pediatric care.

CEO Stephanie Garris said it’s one of 110 free or charitable clinics in Florida, but that’s not enough to handle demand. To treat more people in response to the Affordable Care Act changes, it recently started hosting a mobile acute care clinic for walk-in patients.

Garris said Grace Medical Home treated about 1,350 people last year. Every year, they take about 350 new patients.

“Would I love to double that, triple that? Of course,” Garris said. “I just think in the reality, with the huge number of uninsured that we have, it’s just not possible.”

Health costs become an issue in midterm campaigns

For U.S. Rep. Darren Soto, a Democrat defending his seat in a sprawling — and now much redder — redrawn district south of Orlando, health costs are a campaign focal point.

He said his district, which is near various theme parks, had the second-largest Affordable Care Act enrollment in the nation, in part because many small tourism businesses can’t offer employees health insurance.

“I just hear it everywhere I go,” he said. His Republican opponent, Navy veteran and former Trump administration official Dan Green, did not answer emailed questions about the subsidies but has emphasized affordability of groceries and property insurance as campaign priorities.

Soto voted with Democrats and some Republicans — including a few from Florida — to save the subsidies last year. The Republican majority declined and suggested other ideas, including funding Americans’ health savings accounts. No law along those lines has passed yet.

Button, a Democrat in Soto’s district, said he is open to different reforms for health costs, but said politicians aren’t acting fast enough.

“They keep trying to make excuse after excuse,” he said. “I don’t have six months to a year to wait for you guys to pass this through the hoops that you need to.”

Swenson and Martin write for the Associated Press.