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health insurance

8% Of Americans Didn’t Have Health Insurance In 2025, That Number Could Rise 

According to new data from the US Centers for Disease Control and Prevention, 8% of the American population went without health insurance in 2025. 

The national survey was released last week, and showed that the all-ages uninsured rate had remained significantly down from where it was several years ago, according to reports from AP. However, the number of uninsured Americans is expected to rise as the Trump administration’s changes to the nation’s healthcare industry begin to take effect. 

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For example, according to estimates from the Congressional Budget Office, major changes to Medicaid passed into law last year could result in 10 million more Americans going without insurance over the next 10 years. Medicaid is the government’s safety-net health program for low-income Americans. 

Another contribution to the percentage is the expiration of certain Affordable Care Act subsidies that helped offset premium costs. Healthcare research nonprofit KFF stated that about 5 million fewer people are expected to enroll in those specific programs throughout 2026 when compared to 2025. 

The government itself utilizes multiple programs to track Americans’ insurance status. Many researchers consider the US Census Bureau to “be the official scorekeeper,” according to David Howard, a health policy and management professor. However, the CDC survey results track closely with the Bureau and offer complete data from all of 2025. 

The survey showed that the number of insured and uninsured citizens stayed roughly the same in 2025 as 2024, however, the number of uninsured did grow by about 800,000. 300,000 of that growth are children, and the overall increase in the US population partially explains that. 

The results also suggested a possible increase among Hispanic Americans, according to AP, which could parallel the impact of the Trump administration’s immigration enforcement. 

Most Americans 65 and older have health insurance through the federal Medicare program, and younger Americans are mainly covered through public and private insurance programs. 

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The percentage of Americans under 65 who were uninsured has actually increased consistently throughout the 1980s, 1990s, and early 2000s. In 1980 the percentage sat at 12% and increased to 18% by 2010 following the passage of the Affordable Care Act. 

In 2016, the percentage dropped to 10% before increasing to 12% during Trump’s first administration, according to data from the CDC’s National Center for Health Statistics.

The Covid-19 pandemic actually had more people insured due to government policies that were put in place so citizens could maintain their coverage. A long term impact of this was having the rate hit an all-time low in 2023 which was below 9%. 

While we can’t exactly predict how the uninsured percentage will increase in the coming year, all experts agree that we will see a rise due to the changes made to the Affordable Care Act and Medicaid. 

“The decisions being made now — in Congress, state legislatures and state Medicaid agencies — will determine what happens next,” said Nancy Brown, chief executive officer of the American Heart Association.

“Policymakers should act immediately to protect and expand access to affordable coverage, strengthen Medicaid and maintain pathways that make coverage and care accessible,” she said. 

“Without deliberate action, including reversing dramatic cuts to coverage, uninsured rates will continue to rise, putting quality health care further out of reach.”

insurance

The Cost Of Car Insurance Is Continuing To Rise 

While inflation has begun to ease throughout the nation, car insurance prices are continuing to rise, as premiums are projected to go up throughout the year. 

According to Bankrate’s annual True Cost of Auto Insurance Report, released this Monday, the average cost of full coverage auto insurance is about $2,014 a year in America. 

Cat Deventer, Bankrate’s insurance analyst, told CNN that “car insurance rates are reactionary,” and currently feeling the lasting impact of high inflation rates from throughout the last two years; which also led to labor and auto part shortages. 

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These shortages, as a result, caused the cost of insurance claims on car repairs to increase, along with other related auto costs. 

“If inflation keeps cooling we could see insurers file for rate decreases in future years.” 

If you get into an accident, receive a speeding ticket, have a teenager as a driver under your policy, and credit score decreases are all factors that could lead to one having to pay an increased premium. 

Where you live can also have a major impact on how much you pay for auto insurance. According to Deventer: “Each geographic area has different risks and costs of living, so the cost for car insurance varies across the nation.”

Bankrate reported that Orlando, Florida saw the biggest rise in premium costs throughout 2023 so far, with an increase of 23% to average a $3,078 annual cost. 

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Phoenix, Arizona experienced the second highest rise in cost with a 17% increase to $2,164. Philadelphia and New York City both experienced the biggest decrease in rates. Philadelphia costs decreased around 22% to a $1,872 average, while NYC had a 14% decrease to a $2,649 average. 

“While you can’t control the effects of inflation or location on your premium, there are other things you can do to keep your costs to a minimum,” Deventer explained. 

She recommended looking for as many discounts as your insurer offers and taking advantage of them. For instance, taking a defensive driving course can decrease one’s premiums in many areas. 

“Or if the teenager on your policy goes away to boarding school or college and can’t drive your car, your insurer may offer a “student away” discount. And if they aren’t away, but attend school full-time and get good grades through age 24, that may save you a few bucks, too,” Deventer said.

“Every company uses a different algorithm to determine rates,” Deventor continued, so take the time to shop around for different providers in your area to receive the best possible coverage at the lowest price.

Two Positive Covid Tests

US Government To Begin Shipping ‘Free’ At-Home Covid Tests To Citizens 

A new federal law now states that health insurance companies in the US must pay for at-home Covid test kits. Customers will be able to be reimbursed for up to eight tests per month per individual, or receive them for free at participating pharmacies; meaning under this new law a family of five could get up to 40 free tests per month. 

Individuals with health insurance will be able to receive their free at-home tests directly from the federal government starting Wednesday January 19th by going to COVIDTests.gov to request their supply. Kits will begin shipping out within seven to 12 days. 

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“This program will ensure that Americans have at-home, rapid COVID-19 tests available in the weeks and months ahead — in addition to the number of other ways they can get tested,” the White House said on Friday

“The administration is quickly completing a contracting process for the unprecedented purchase of 1 billion at-home, rapid tests to distribute as part of this program.” 

The US Postal Service will be delivering kits throughout the continental US through First-Class Package Service, according to the government. Any shipments made to Alaska, Hawaii, and other US territories will be sent via Priority Mail. 

President Biden announced Thursday the government was “doubling the number of available free tests to 1 billion and providing 5 million PCR tests for free to schools per month.” 

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Colorado, Massachusetts, Iowa, Connecticut, Washington, New Jersey, Maryland, Ohio, Oregon,  and New Hampshire. Washington, DC, is making at-home tests available for pickup at area libraries while other cities, such as New York and Boston, are distributing them to local health clinics,” according to the White House. 

In another plan announced by President Biden, health insurance companies are now required to reimburse Americans for eight at-home antigen tests per person per month. If an individual is required to undergo testing due to an underlying health condition, or other factors, there will be no limit implemented on the amount of tests covered. 

For those without insurance, Biden announced that there would be “thousands of locations” where Americans can pick up free Covid-19 test kits to use at home, rather than needing to go get tested at a facility. 

Those without insurance are also able to access free testing kits at community health clinics, and other local participating sites. The Department of Health and Human Services has also provided an online search tool for Americans needing to find a community-based Covid-19 testing site.