Anna Wilde Matthews, a WSJ insurance reporter, breaks down the complexities of ACA subsidies and the alarming rise in healthcare premiums. Kevin Foster shares his personal experience of a shocking increase from $7,000 to $38,000 in annual premiums, illustrating the real impact of these changes. They discuss the origins of the Affordable Care Act, the political battles over subsidies, and the implications of potential expiration. Rising healthcare costs from various factors and the risk of adverse selection are also explored, emphasizing the uncertainty enrollees face.