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   News alert: Inside America's health insurance 'death spiral'
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   A family paying $2,034 a month — and insurers are leaving.
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               Thursday, February 19, 2026
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              <a data-linktext="The ACA is facing its worst affordability crisis in a decade — and experts are calling it a death spiral" data-linktype="Normal" style="color:#121721;text-decoration:none" target="_blank">
               The ACA is facing its worst affordability crisis in a decade — and experts are calling it a death spiral
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              When Congress let enhanced ACA subsidies expire at the end of 2025, premiums surged for millions of Americans — with some families seeing increases of 25% or more in a single year. The youngest, healthiest enrollees are dropping coverage, leaving a sicker, more expensive risk pool behind, and at least a dozen insurers have announced they're exiting the marketplace after 2026. Policy experts are calling it a "death spiral" for a law designed to make health coverage more affordable.
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                       Half of your electric bill is negotiable, and it costs you nothing to have someone negotiate it for you.
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             <h1 style="mso-line-height-rule:exactly;Margin:0;font-family:Arial;font-size:32px;font-weight:bold;color:#121721">
              <span style="font-family:Arial">
               Here's what you need to know
              </span>
             </h1>
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                  <img alt="" class="img100" data-linktype="Normal" data-target="_blank" height="auto" src="https://inboxflows.com/_/image/https%253A%252F%252Fqz.com%252Fcdn-cgi%252Fimage%252Fwidth%253D640%252Cheight%253D360%252Cfit%253Dcover%252Cquality%253D75%252Cformat%253Dauto%252Fhttps%253A%252F%252Fassets.qz.com%252Fmedia%252Ftrump_liberation_day_tariffs.jpg/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZxei5jb20lMkZjZCIsInRpbWUiOjE3ODY5Nzg3NTMuMTU4NDI5OX0:1wvynx:30f3wxRVwivGq1X-9H4ac1lj4gflJzCkKfS6YZcpXGY" style="width:200px;max-height:338px;vertical-align:middle;border:0" width="200"/>
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                 <div>
                  <strong style="color:#016FF0">
                   <a data-linktext="White House says 40 countries are helping China evade tariffs." data-linktype="Normal" style="color:#17253D" target="_blank">
                    White House says 40 countries are helping China evade tariffs.
                   </a>
                  </strong>
                  Trade adviser Peter Navarro estimated the U.S. loses $19 billion to $26
billion a year from transshipment, where near-finished Chinese goods are routed through intermediary nations to enter the country under lower duty rates.
                 </div>
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                  <strong style="color:#016FF0">
                   <a data-linktext="U.S. retail sales fell 
0.6% in July after a modest June rebound." data-linktype="Normal" style="color:#17253D" target="_blank">
                    U.S. retail sales fell 0.6% in July after a modest June rebound.
                   </a>
                  </strong>
                  Motor vehicles led the pullback with a 1.8% monthly drop, and online shopping slipped 2.2%. Clothing stores were a bright spot, rising 1.9%. Overall spending was still 5% above year-ago levels despite the monthly decline.
                 </div>
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                  <strong style="color:#016FF0;font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:22.4px">
                   <a data-linktext="Musk's Tesla pay was 2.5 million times a median worker's in 2025." data-linktype="Normal" style="color:#17253D" target="_blank">
                    Musk's Tesla pay was 2.5 million times a
median worker's in 2025.
                   </a>
                  </strong>
                  <span style="font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:22.4px">
                   His $158 billion package exceeded the company's full-year revenue of $94 billion, according to the AFL-CIO. Excluding Musk, average S&amp;P 500 CEO compensation still hit a record $22.8 million, up 21%.
                  </span>
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                  <strong style="color:#016FF0">
                   <a data-linktext="OpenAI's annualized revenue is now above $40 billion." data-linktype="Normal" style="color:#17253D" target="_blank">
                    OpenAI's annualized revenue is now above $40 billion.
                   </a>
                  </strong>
                  The reported figure would mark a doubling of the run rate the company recorded at the end of 2025, driven by demand for its coding tools and 
subscription growth. OpenAI lost $38.5 billion in 2025 and is now preparing to go public.
                 </div>
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                  <strong style="color:#016FF0;font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:22.4px">
                   <a data-linktext="Apple is building its own AI model for China with Alibaba." data-linktype="Normal" style="color:#17253D" target="_blank">
                    Apple is building its own AI model for China with 
Alibaba.
                   </a>
                  </strong>
                  <span style="font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:22.4px">
                   The reported effort would make it the first foreign company Beijing has cleared to deploy a proprietary AI system in the country. Analysts had flagged the absence of AI features on Chinese iPhones as a growing drag on device sales.
                  </span>
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