When Insurance Becomes Unaffordable: Aslan Health Is Here for You
For many individuals and families, the start of 2026 brought an unexpected and unwelcome change: the enhanced health insurance subsidies that helped keep premiums affordable expired on January 1, 2026.
For people living paycheck to paycheck, that change can be devastating.
Across Minnesota and the country, families are opening renewal notices only to discover their monthly premiums have jumped—sometimes by hundreds of dollars. Deductibles remain high. Out-of-pocket costs feel impossible. And for many, the question becomes painfully simple:
Do I pay for health insurance… or do I pay for rent, groceries, and gas?
Caught in the Middle of the System
At Aslan Health, we see this every day.
These are not people who “don’t work hard enough.”
These are not people trying to avoid responsibility.
They are:
- Small business owners
- Self-employed contractors
- Hourly workers without employer coverage
- Families earning just enough to disqualify them from Medicaid
They make too much for Medicaid, but not enough to afford traditional insurance—especially now that enhanced subsidies are gone.
This group is often invisible in the healthcare system, yet they are exactly who Aslan Health was created to serve.
When High-Deductible Plans Are the Only Option
For some families, the only insurance option left is a very high-deductible plan—coverage that comes with steep monthly premiums and thousands of dollars in out-of-pocket costs before benefits even begin.
While these plans may not feel “great,” we still believe having some level of insurance matters. Medical debt remains one of the leading causes of financial instability and homelessness, and a catastrophic illness or injury can quickly overwhelm even the most careful budget.
This is where Aslan Health fits in.
If you have a high-deductible plan that doesn’t cover much day-to-day care, Aslan Health can be an affordable, practical solution for your primary care needs—without waiting to meet a deductible you may never reach.
Affordable Primary Care — Even With Insurance
At Aslan Health:
- Your visit is still just $75 with same-day payment
- You know the cost before you are seen
- Labs and medications are discussed upfront
- There are no surprise bills weeks or months later
If you have insurance—even a high-deductible plan—we can provide you with an itemized receipt to submit to your insurance company. This allows you to:
- Apply the visit toward your deductible
- Maintain coverage for emergencies or hospital care
- Still receive affordable, relationship-based primary care
It’s a model designed to work with you—not against you.
A Better Option for the “In-Between”
The expiration of enhanced subsidies has exposed a truth many families already knew: insurance does not always equal access.
Primary care should be:
- Simple
- Affordable
- Transparent
- Focused on prevention and whole-person health
Aslan Health exists to fill the gap for people who have been left behind by traditional healthcare models—especially those doing everything right but still falling through the cracks.
Our Door Is Open
If you’ve lost affordable coverage, are relying on a high-deductible plan, or are delaying care because of cost, we want you to know this:
Aslan Health is here for you.
You don’t need perfect insurance.
You don’t need to hit a massive deductible.
You just need a place that provides honest, affordable care—without judgment.
📍 Downtown St. Cloud
💲 $75 self-pay | Medicaid & Medicare accepted
🧾 Itemized receipts available
🚶 Walk-ins and appointments welcome
🌐 www.aslanclinic.com
Because healthcare should protect families—not push them closer to crisis.