She's bracing and saving to pay $2,800 a month for ACA health insurance next year

Ellen Allen, 63, needs health insurance to be able to keep paying for an expensive eye drop medicine that prevents blindness.

Raiding retirement savings. Pondering job changes or even marriage. People who buy their own health insurance are strategizing ahead of major price hikes in 2026. Open enrollment starts Nov. 1.

(Image credit: Ellen Allen)