Facing Coverage Cuts? Experts Break Down How To Stay Insured

For years, Los Angeles artist Mia Gardner has juggled side jobs to support her art career. However, her most pressing issue isn't creative stagnation—it's securing affordable health insurance.Gardner shared, “Last month, I explored the marketplace, and the cheapest plan was close to $500 monthly—half my rent. I’ve had to forego checkups and hope for the best.”Her predicament underscores a widening dilemma for Californians seeking private health insurance. With the recent passage of House Resolution (H.R.) 1—known as the “One Big Beautiful Bill Act”—millions may soon confront rising premiums or potential loss of coverage.Rhonda Smith, Executive Director of the California Black Health Network, warned that H.R. 1 greatly threatens freelancers and small business owners like Gardner. Smith emphasized the increased financial strain this legislation poses, especially amid anticipated federal budget cuts to public health programs.Dr. Melissa Clarke highlighted that H.R. 1 complicates Medicaid eligibility and access to affordable insurance, predicting over sixteen million individuals may lose healthcare access. She suggested exploring community health centers that provide care on a sliding scale and encouraged using medication assistance programs. Clarke also advised appealing decisions if losing Medicaid coverage, emphasizing proactive health management.