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Nonprofit Executive and Mother of Three Finds Marketplace Insurance Unaffordable Without EPTCs – Even for Middle Class Families with Two Working Parents
Kathryn is the executive director of a nonprofit , and her husband runs his own small business. Together, they’re raising three wonderful kids and navigating the daily whirlwind of school, sports, and family life. Like all families, they work hard to provide the best childhood for their kids. And like all families, they need access to healthcare. Kathryn's daughter is an avid athlete with a rare genetic disorder which requires monthly infusions, frequent visits to specialist

Annie Eby
Dec 52 min read


East Tennessee Housing Advocate and Caregiver finds Marketplace Insurance Unaffordable without Enhanced Premium Tax Credits
For 57-year-old Samantha* from East Tennessee, life has always been about serving others. She and her husband devoted their lives to their community—his work as a pastor and county commissioner gave them both purpose and stability. Then everything changed. After a back surgery left her husband permanently disabled, they lost not only his income but also their home in the church parsonage. For the first time, they turned to credit cards just to make ends meet. Debt piled up.

TJC
Dec 42 min read


Mother of Two Medically Complex Children and Small Business Owner, Uses Enhanced Premium Tax Credits to Keep Her Covered
As the co-owner of a tattoo shop in Lafayette, Tennessee, and the mother of twin boys with complex medical needs, Shayela Ankenbauer understands what it means to juggle work, parenting, and the high cost of healthcare. For her and her husband, affordable coverage through the Marketplace—made possible by the Enhanced Premium Tax Credits (EPTCs)—is the only thing that keeps her insured. “Before getting on the Marketplace, we didn’t have insurance,” Shayela explained. “When I wa

Sarah Lanza
Nov 242 min read


40-year-old Liver Transplant Recipient Depended on ACA Marketplace Enhanced Premium Tax Credits to Afford His Recovery
Mr. Smith receives Enhanced Premium Tax Credits (EPTC) that lowers his monthly premium by an astounding $700, making comprehensive coverage affordable even on his limited Social Security Disability income. For Mr. Smith, the impact goes beyond dollars and cents: “It has provided peace of mind that I don’t have to worry about a major bill coming.”

Sarah Lanza
Oct 152 min read


What’s The Fuss About Enhanced Premium Tax Credits?
Over 600,000 Tennesseans’ health insurance cost will double in January, and a third of them will become uninsured . Some ...

TJC
Oct 32 min read


Is Congress Letting Insurance Premiums Soar?
On July 4, 2025, President Trump signed H.R. 1 into law, a sweeping budget reconciliation bill that includes deep cuts to Medicaid and...

Annie Eby
Oct 23 min read
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