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An Arm and a Leg

An Arm and a Leg

‘Not workable’: How two Americans picked a plan this year — or didn’t

Mar 19, 2026 · 26m

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About this episode

This year, the price of health insurance increased dramatically for millions of people. Tens of millions. Obamacare subsidies shrunk, and premiums skyrocketed. People asked themselves: how on earth am I supposed to make this work? Two of those folks — attorney Nicole Wipp and skate-shop owner Noah Hulsman — tell the story of how they chose among lousy options. Nicole chose to dump health insurance altogether — even though she could have found a way to pay for it. Noah chose to pay for coverage that sucks, because it’s all he can afford. Each made their choice in the context of their broader stories: Noah is deeply rooted in Louisville, KY, and lives about a mile from…