December 15, 2025

As the clock ticks down to the end of the month, millions of Americans are bracing for a significant spike in health insurance premiums. The expiration of the enhanced Affordable Care Act (ACA) premium subsidies threatens to double costs for many, making health care unaffordable for countless individuals. This unsettling development is largely the result of a political stalemate, with lingering partisan resentment over the ACA's enactment under former President Barack Obama and a lack of actionable alternatives from Republican lawmakers.
This isn't just a political issue—it's a real-world crisis that could see up to 4 million people lose their health coverage entirely, according to projections from the Congressional Budget Office. For a 60-year-old couple just above the poverty line, annual premiums could soar to a staggering $22,600.
While lawyers might not feel the impact directly thanks to employer-sponsored health plans, the ripple effects could disrupt industries reliant on domestic workers, such as nannies, who are instrumental in supporting the demanding schedules of legal professionals. Without affordable health care, many nannies might be forced to leave their jobs, leading to significant personal and professional turmoil for those who depend on their services.
Amid this looming crisis, reports have surfaced that some law firms might be exploring ways to bridge the gap for their employees' household help, such as nannies and home health aides, who will suffer most from the subsidy cuts. This initiative could not only foster immense goodwill but also stabilize the working conditions for their high-billing lawyers.
This situation raises important questions about the responsibility of employers in sectors not directly affected by the subsidy cuts. Should more firms consider similar interventions to prevent a potential cascade of socioeconomic issues for their employees and, by extension, their operations?
The legal community has an opportunity to lead by example, showing that in times of need, proactive support can make a substantial difference in the lives of individuals who contribute silently but significantly to the industry's success.
If your firm is taking steps to mitigate the impact of the expiring ACA subsidies, or if you have insights into how the legal sector can more broadly support affected workers, reach out with your stories and suggestions. This is more than a healthcare issue—it's about maintaining the support systems that underpin the productivity of numerous professions.