Jonathan Reich

After Congress let ACA subsidies expire in Late-Q4, tens of millions saw health insurance premiums jump overnight, many to >2x their previous rate.
A survey found 66% of Americans worried about affording health care for themselves and family, ranking it above food, utilities, gas, and housing.
Overall living costs also weighed heavily: 82% said costs ↑ over the past yr, and 50% said those increases were substantial.
Health care led budget worries. While 32% were very worried about medical costs, only 24% said the same about food and groceries.
More than half, 55%, said health care costs ↑ over the past yr. Another 56% expected care to become less affordable as current year progressed.

US Health Insurance Price Worries Surge

Premium credit cards often charge hefty annual fees, but perks like insurance, lounge access, rewards points, and purchase protections can offset costs when cardholders actually use them.
Start by reviewing your card’s benefits guide. Some credits for travel, dining, or streaming apply automatically, while others require enrollment or eligible card spending.
Insurance perks can include trip cancellation coverage, rental car insurance, and extended warranties. Eligibility typically depends on paying for the expense with the card.
To maximize rewards points, use the card in bonus categories like travel or dining, then redeem for higher-value options such as flights or hotel stays.
Compare the annual fee with the benefits you actually use. If value falls short, consider downgrading to a no-fee card or switching products.
The core takeaway: staying informed and proactive helped cardholders avoid wasting valuable premium-card perks and made the card work better for their spending habit