Marketplace Morning Report Shock, frustration for those losing ACA subsidies
Nov 19, 2025
Henry Epp, a Marketplace reporter focused on technology and cybersecurity, discusses the recent Cloudflare outage that impacted numerous websites and highlights the concentration of internet providers. Samantha Fields, also a reporter, delves into the looming crisis for 24 million ACA marketplace enrollees as expiring subsidies threaten to double their health insurance costs. She shares an impactful personal story of a freelancer facing skyrocketing premiums and offers crucial advice on preparing for potential subsidy losses and enrolling for coverage.
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Internet Reliance Creates Systemic Risk
- A few large cybersecurity firms support many major websites, creating systemic fragility.
- When a provider like Cloudflare outages, the ripple effect can take down sites globally.
Diplomatic Fallout From Taiwan Remarks
- Japan-China tensions rose after Japan's PM suggested possible military response to an attack on Taiwan.
- China retaliated with travel advisories and a seafood import ban, escalating diplomatic conflict.
Subsidy Loss Plus Rate Hikes Multiply Costs
- Subsidies are expiring while insurers are raising rates about 25 percent, compounding costs.
- Combined, many people losing subsidies could see average premiums roughly double next year.