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ACA Deadline Nears as 20 million Brace for Higher Health Costs

BLACKPRESSUSA NEWSWIRE — The Affordable Care Act subsidies that help more than 20 million people pay for health insurance are set to expire at the end of the month.

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By Stacy M. Brown
Black Press USA Senior National Correspondent

The Affordable Care Act subsidies that help more than 20 million people pay for health insurance are set to expire at the end of the month. Congress is running out of time to prevent steep premium hikes across the country, and families who rely on marketplace coverage face growing uncertainty while political leaders argue over what to do next.

President Donald Trump has sent mixed signals on whether he will support a short-term extension. “Somebody said I want to extend it for two years. I do not want to extend it for two years. I would rather not extend them at all,” said Trump in an exchange with reporters on Air Force One. He added that “some kind of an extension may be necessary to get something else done because the unaffordable care act has been a disaster. It is a disaster,” he said during the weeklong scramble that followed the shutdown agreement.

Inside Congress, Republicans are split. Some want new income limits and other restrictions on the subsidies. Others are pushing broader overhauls built around individual health spending accounts and different benefit structures. Negotiations were jolted when word leaked that the White House had considered a temporary extension framework, only for the plan to be shelved after conservative backlash.

Moderate Republicans say any serious proposal must have the president’s backing. “The president has got to sign whatever we do, otherwise it is a legislative exercise,” said Rep. Brian Fitzpatrick, a Republican from Pennsylvania, who is working on a bipartisan plan that mirrors elements of the shelved White House framework.

Democrats argue that the public is on their side. They point to KFF polling that showed 78 percent of Americans support extending the ACA tax credits, including 59 percent of Republicans. They also note that an estimated 22 million marketplace enrollees currently receive subsidies to lower their monthly premiums.

Sen. Amy Klobuchar, a Democrat from Minnesota, said Senate Democrats will force a vote before the end of the year under a deal struck to reopen the government. “That vote will happen. And whether it will pass is in the hands of Donald Trump and the Republicans,” Klobuchar stated in a televised interview.

The House is a tougher road. Speaker Mike Johnson, a Republican from Louisiana, has declined to commit to any vote on extending the subsidies and has criticized the current credits. He called the ACA tax credit structure a “boondoggle,” said Johnson earlier this month.

Democrats warn that failure to act will put real money on the line for families and may reshape next year’s midterm campaigns. Sen. Chris Murphy, a Democrat from Connecticut, said internal polling has already made the stakes clear for Republicans. “The pollsters have obviously told them that they are going to get their clocks cleaned if they do not fix the health care mess they created,” he remarked. “They may hate the ACA and Barack Obama so much they are willing to lose an election.”

D.C. ACA Subsidy Deadline Story

D.C. Region Faces ACA Shock as Subsidy Deadline Closes In

The looming expiration of Affordable Care Act subsidies threatens to send insurance premiums sharply higher for residents across the District of Columbia, Maryland, Virginia, and West Virginia. The Washington region sits at the center of a national political fight, but the consequences for local families could be immediate if Congress does not act before the end of the month.

Kaiser Family Foundation data show that more than 682,000 people in the four jurisdictions bought coverage on the ACA exchange this year. The share receiving advance premium tax credits includes 28 percent of enrollees in D.C., 78 percent in Maryland, 87 percent in Virginia, and 98 percent in West Virginia.

For older households in the region, the numbers are stark. A 60-year-old couple with an income of $85,000 would face an average monthly premium increase of $1,900 if subsidies disappear, according to Kaiser. In Virginia, the same couple would see increases between about $1,200 and $1,400 per month. In Maryland, the jump would still be roughly $1,100 a month. District families who rely on marketplace coverage are in similar danger if Congress lets the credits lapse.

The Senate is expected to vote in early December, honoring a commitment from Senate Majority Leader John Thune, a Republican from South Dakota, who promised Democrats a floor vote to end the 43-day shutdown. That agreement gave the Democratic caucus the right to bring forward an ACA-related bill this month.

The House remains the major roadblock. Speaker Mike Johnson, a Republican from Louisiana, has refused to guarantee a vote on any extension and has criticized the ACA tax credits. Johnson referred to the subsidies as a “boondoggle,” said Johnson during the recent funding fight.

House Minority Leader Hakeem Jeffries, a Democrat from New York, is trying to force the issue. Jeffries filed a discharge petition to bring a three-year extension bill to the floor and has warned colleagues that time is short. “There are just 13 legislative days left before the Affordable Care Act tax credits expire,” wrote Jeffries in a letter to House members. “We only need a handful of Republicans to join us in order to save the healthcare of tens of millions of Americans,” said Jeffries.

Some Republicans in swing districts have backed shorter extensions or bipartisan compromise bills with new eligibility limits. One of the key negotiators is Rep. Brian Fitzpatrick, a Republican from Pennsylvania, who has been working with Democrats on a plan that mirrors elements of a leaked White House framework. “The president has got to sign whatever we do, otherwise it is a legislative exercise,” said Fitzpatrick.

Sen. Amy Klobuchar, a Democrat from Minnesota, said Senate Democrats will not let the issue slide. “That vote will happen. And whether it will pass is in the hands of Donald Trump and the Republicans,” said Klobuchar during an appearance on CNN.

President Donald Trump has also added uncertainty. “Somebody said I want to extend it for two years. I do not want to extend it for two years. I would rather not extend them at all,” said Trump while flying on Air Force One. He also said that “some kind of an extension may be necessary to get something else done because the unaffordable care act has been a disaster. It is a disaster,” said Trump as aides weighed how to handle the deadline.

Democrats warn that communities in and around the nation’s capital will feel the pain if the subsidies expire and premiums spike. Sen. Chris Murphy, a Democrat from Connecticut, said Republicans are allowing their hostility toward the law and its namesake to override political self-interest. “The pollsters have obviously told them that they are going to get their clocks cleaned if they do not fix the health care mess they created. They may hate the ACA and Barack Obama so much they are willing to lose an election,” said Murphy.

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The hidden risks of poor water management in residential properties

Poor water management in residential properties can result in structural damage, health risks, and long-term financial strain. Water is the most important resource for any country, and having access to clean drinking water should be a right that needs to be preserved. Unfortunately, we are noticing a trend in the US right now where poor water […]

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Poor water management in residential properties can result in structural damage, health risks, and long-term financial strain.

Water is the most important resource for any country, and having access to clean drinking water should be a right that needs to be preserved. Unfortunately, we are noticing a trend in the US right now where poor water management in residential properties is becoming more common. 

It’s not even just access to water that gets affected when residential water management isn’t made a priority. It can result in issues with major leaks and flooding events, which affect the health and safety of residents. 

Gradual Structural Damage

The worst thing about flooding or water leaks is the gradual structural damage that real estate investors have to deal with. Water can seep into materials like:

  • Wood
  • Drywall
  • Concrete

It can do so over time, drop by drop, and eventually cause significant damage to these structures. 

A slow leak behind a wall or under a floor may go unnoticed for months, gradually compromising the integrity of the structure. Over time, this can lead to:

  • Warped floors
  • Cracked foundations
  • Weakened support beams

If you aren’t interested in spending hundreds or thousands of dollars to repair your residential properties, then it’s important to focus on water management in your annual plan. 

Mold and Indoor Air Quality Issues

Excess moisture creates the perfect growing environment for mold. Within 24 to 48 hours, mold can start developing in damp conditions, and it often does so in hidden places like:

  • Behind walls
  • Under carpets
  • Poorly ventilated areas

Mold is a health hazard, especially for the very young and very old, and those who have a compromised immune system. Indoor air quality starts degrading very fast when mold growth happens, which can result in allergies, asthma, and other respiratory conditions. 

Addressing mold problems can be both complicated and expensive, often requiring professional remediation to fully eliminate the issue.

Increased Utility Costs

If you notice that your utility bills have gone up in recent weeks or months, without any corresponding difference in tenants or temperature, it could be due to a water leak. Malfunctioning fixtures can also cause an increase in utility costs. 

Even small, continuous leaks can add up to substantial water loss, making regular inspections and maintenance essential. That’s why paying attention to water management is so crucial for any real estate investor. 

Foundation and Drainage Problems

Proper drainage is crucial to protecting a home’s foundation. Water needs to be directed away from the property, and if not done so, then it can accumulate around the base of a structure. This can lead to soil erosion, foundation cracks, and even basement flooding.

Clogged gutters, improper grading, and inadequate drainage systems are common contributors to these issues. All of these have to be addressed to prevent long-term damage to your foundation and prevent expensive repair bills that eat away at your budget. 

Professional eavestrough installers are necessary to ensure rainwater stays away from your foundation and moves away from the property properly. 

Pest Infestations

No homeowner or investor wants pests in their residential properties. It’s not good for the health of the residents, nor is it good for the reputation of the properties in attracting future tenants. 

Moist environments often attract pests such as:

  • Termites
  • Rodents
  • Insects

Standing water or damp areas provide ideal conditions for these unwanted guests to thrive.

Once pests are established in your property, they will start causing further damage by eating away at certain structures. To get rid of them requires expensive pest control services and takes time. 

Insurance and Financial Implications

Even though insurance does cover certain types of water damage, it doesn’t cover all forms of water damage, and thus, you might end up paying out of pocket in certain cases. 

Damage resulting from neglect or lack of maintenance is often excluded from coverage. That’s why it’s so important to apply water management strategies to all of your residential properties. 

If you wish to sell your property later, then it’s important to be very cognizant of water damage, as buyers will conduct inspections that could alert them to such water damage and prevent your home from selling in the future. 

Frequently Asked Questions

What Are Some Preventive Measures for Water Management?

There are many home safety tips you can follow to ensure your home stays safe from water damage. 

Regularly inspecting plumbing systems, cleaning gutters, and ensuring proper drainage can help identify problems early. Installing moisture detectors, maintaining appliances, and addressing leaks promptly are also effective strategies.

You can also hire a water damage specialist and have them take a look at your home to ensure nothing untoward is going on, especially if you notice a major change in your utility bills. 

How Does Water Damage Interior Spaces?

Water damage can occur without the home dwellers noticing it. In some cases, the water damage to interior spaces is very apparent, as when the ceilings start sagging or the walls and ceilings develop water stains. 

You might also notice the floors rotting or warping. 

In addition to structural concerns, water damage can ruin personal belongings such as:

  • Furniture
  • Electronics
  • Important documents

The emotional and financial cost of replacing these items can be significant.

Nothing good comes out of water damage, but it’s highly preventable if you only take the steps mentioned above. Do not become lazy or complacent in this situation. It could be the difference between saving hundreds of dollars in water damage bills and not. 

Protect Yourself From the Risks of Water Damage

Not everyone places such a priority on water management, and that’s a shame. It’s truly when you are dealing with water damage that you regret this decision. 

Residential water management can save you hundreds or even thousands of dollars in bills in the future. It’s worth the time and resources you place upon it. 

By staying vigilant and adopting proactive maintenance habits, homeowners can protect their properties and protect their investment from degrading into a money-sucking pile of stones. 

Please check out related articles on our website for more interesting articles on a wide variety of subjects. 

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Black Micro-Schools Deserve Recognition: NABML Creates National Standards and Resources

BLACKPRESSUSA NEWSWIRE: Black families are the fastest-growing demographic in alternative education. Discover how the National Association of Black Micro School Leaders is providing educators with resources, training, and certification to launch thriving microschools.

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by Dawn Montgomery
BlackPressUSA Contributor

Public school advocates and politicians typically spearhead the attack on microschools, focusing on their perceived “lack of oversight and public accountability.” Yet Black families are the fastest-growing demographic in alternative education. This shift is driven by the recognition that traditional public education cannot change quickly enough to serve its children’s needs. The National Association of Black Micro-School Leaders is an organization working to counter this narrative and fill a critical gap. Nicole Stewart, the founder, told The Carolinian that “Black families are the fastest-growing group in alternative education, but Black microschool founders have had no national home, no unified voice, no shared resources, and no collective power.”

Nicole Stewart, a former educator with nearly 20 years of experience in public education, retired to start her education consulting company and later opened her own school. That experience led her to discover microschools. Stewart advocates for a balance between joy and rigor in education, designing learning experiences that honor identity, strength, and purpose. She understands that microschools can be tailored to address the specific needs of the families and communities they serve.

The oversight criticism is legitimate. This concern is precisely why NABML is establishing the national benchmark for community-led education. NABML’s certification is that seal of approval, signaling to families, funders, and policymakers that a school is not merely functioning but is outstanding. Additionally, the organization emphasizes the importance of legal structures, fiscal stewardship frameworks, and community involvement as foundational to sustainability and accountability.

NABML realizes this vision via four main support systems:

Community Design Day: NABML facilitates a process in which the neighborhood tells us what its children deserve. You get to explore new learning approaches and define educational priorities for your community. A community task force is then formed to implement these ideas, and NABML supports you along the way. This creates a space where you can be a part of the process as a founding member of a microschool.

Founders Launch Lab: This professional development experience equips Black microschool founders and educational leaders with the training, operational, and strategic skills to launch and sustain thriving schools. Participants gain the business acumen and pedagogical frameworks necessary to navigate the transition from traditional educator roles to entrepreneurial school leaders.

Membership (The Vault): Members gain instant, 24/7 access to proprietary legal templates, student handbook builders, fiscal stewardship frameworks, and zoning blueprints designed specifically for the microschool model. They also join a curated community of mission-aligned founders through monthly “Brilliance Circles” and a private digital forum. Membership unlocks the NABML Fund, a curated capital pool designed specifically for the network, removing a major barrier to school launch and sustainability.

Certification: This is the seal of approval that tells families, funders, and policymakers that your school isn’t just operating; it is also excelling. NABML is currently developing the national benchmark for community-led education, making sure that certified schools meet rigorous standards for student outcomes, community engagement, and fiscal responsibility.

Whether you’re a parent seeking educational alternatives, an educator ready to launch a microschool, or a policymaker committed to expanding equitable education options, NABML invites you to be part of this transformation.

Ready to start or support a microschool? Visit https://nabml.org/ to learn more, access resources, or join the Founders Launch Lab.

Want to invest in Black educational futures? Make a donation at https://secure.qgiv.com/for/naobml/ to support founders in building schools that serve their communities.

Every microschool launched is a community transformed. Every founder supported is a generation of Black children empowered to thrive.

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IN MEMORIAM: Rest in Power — Minnesota Loses a True Warrior in Yusef Mgeni

MINNESOTA SPOKESMAN RECORDER — Yusef Mgeni, a brilliant historian, community organizer, former St. Paul educator and fierce advocate for Black people, died on April 7, 2026, leaving behind a legacy that will echo through generations of Black Minnesota history and community building.

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By MSR News Online

Minnesota and the world lost a powerful voice and a true warrior on April 7, 2026. Yusef Mgeni is gone, but his legacy will echo for generations.

Yusef was a brilliant historian, a community organizer, a former St. Paul educator, and a fierce advocate for Black people. He carried with him an extraordinary archive of speeches, books, articles, and photographs documenting the work of countless Black scholars and leaders. His knowledge was not just deep. It was generational. Talk to him about any subject concerning Black history, and he would give you a dissertation.

His roots in this community ran deeper than most people knew. Yusef was the grandnephew of Fredrick McGhee, the pioneering 20th-century civil rights activist and attorney who made his mark in St. Paul at the turn of the century. That lineage was not lost on Yusef. He carried it forward with pride and purpose, spending decades making sure the stories of Black Minnesotans were told, preserved, and passed on.

As a journalist, Yusef called NAACP leaders and community figures to identify the issues that mattered most to Black people and wrote about them in local newspapers. He was a contributor to the Minnesota Spokesman-Recorder, a platform he understood and respected deeply. As a former St. Paul NAACP vice president, he remained active and engaged well into his retirement, answering emails and voicemails for residents who were at their wits’ end, helping them navigate evictions, legal challenges, and systemic barriers.

“Generally, they contact us when they are at their wits’ end,” he once said. “They are going to get evicted; their car is getting repossessed. We assist in navigating the system.”

His work was always about access. Under his leadership and alongside other NAACP leaders, the St. Paul chapter helped establish a landmark covenant between the police and the St. Paul community in 2001, a model that contributed to dramatically lower excessive-force costs than in Minneapolis in the decade that followed.

Yusef was also a passionate champion of ethnic studies in Minnesota’s schools, understanding that education rooted in Black and Brown history was not a supplement to American history but central to it.

“Ethnic studies is also American history,” he said. “The fact that the legislature and the MDE have both endorsed ethnic studies requirements in schools is a real plus for giving people the opportunity to explore and learn more about American history, and more importantly, to see themselves reflected in that learning.”

In the 1970s and ’80s, Yusef worked alongside Mrs. Clarissa Walker at the Sabathani Community Center, where they poured their energy into uplifting and empowering the community. Their work helped shape the cultural and political landscape of South Minneapolis during a critical era. They were part of a generation that built institutions, nurtured young people, and fought for justice with unwavering commitment.

Yusef also played a key role in the early development of KMOJ Radio, helping to establish a platform that amplified Black voices long before it was common or convenient. His activism extended through education, the St. Paul NAACP, the Million Man March, and the Urban Coalition, always rooted in a deep and abiding love for his people.

He was also an interviewee in the Rondo neighborhood oral history project preserved by the Minnesota Historical Society, ensuring that the voices and stories of that community would never be lost.

Not long ago, a colleague was blessed to sit with Yusef at his home, where he reflected on his life and his legacy. He talked about his work in education, his activism, and his years of service to the community. But what stood out just as much was how he spoke about his family and his people, with warmth, with pride, and with purpose.

Today, we honor him not only for what he accomplished but for the spirit with which he did it.

A scholar. A builder. A warrior. A keeper of our stories.

Thank you, Yusef, for everything you gave and everything you sacrificed on behalf of Black people. Your legacy stands tall, and our community is better because of you.

Rest in Power, Yusef Mgeni.

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