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‘Punishing’: Alaska small-business owners consider next steps amid steep rises in health care costs

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‘Punishing’: Alaska small-business owners consider next steps amid steep rises in health care costs


United Way health care navigator Kelly Fehrman consults with a client about Affordable Care Act-related health insurance options from her office at the Providence Anchorage Family Medicine Center in Anchorage on June 17, 2025. (Marc Lester / ADN)

Thousands of Alaskans who purchase insurance through the Affordable Care Act marketplace will see their premiums skyrocket without the extension of subsidies that are set to expire at the end of the year.

The expiration of the enhanced premium tax credits could cripple small businesses in Alaska, some owners say, as they face premiums that in some cases will triple year over year, eating away at their ability to keep their businesses afloat.

“We’re working tooth and nail every day to make our way so we don’t have to rely on any help and assistance,” said Brie Loidolt, who owns a bookkeeping business in Anchorage and is facing an increase of hundreds of dollars per month in her premium costs.

Congress is “just punishing us for being small-business owners,” said Loidolt, who has weighed closing her business in response to the rise in health insurance costs.

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Extension of the tax credits was a top priority for Senate Democrats during the longest government shutdown in U.S. history. But the shutdown ended Wednesday with no deal to extend the health care subsidies or provide any other measure to lower the cost of health care.

Congress now has until the end of the year to extend the credits — which were enacted in 2022 — or watch them expire.

Alaska’s U.S. Sen. Lisa Murkowski has said she supports the extension of the tax credits, at least in the short term, to avoid the projected sharp price increase. U.S. Sen. Dan Sullivan has also said he supports an extension of the subsidies. Alaska’s U.S. Rep. Nick Begich has not spoken in favor of their extension or responded to multiple interview requests on the subject.

The agreement to end the shutdown included a promise from the Senate majority leader to hold a vote on a proposal to extend the tax credits before the end of the year, but Alaskans are already being asked to make decisions about their 2026 coverage. For them, action from Congress can’t come soon enough.

​​“I need my government, specifically my congressional delegation, to speak for me concerning the levers of power in this country, and I feel absolutely abandoned,” said Mark Robokoff, who owns a pet supply shop in Anchorage and is staring down a more than 300% increase in the cost of insurance.

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The impact of the elimination of the tax credits depends on the income, age and family size of the enrollee. Premium increases are greatest for Alaskans nearing retirement age who earn 401% of the poverty line or higher.

Of the roughly 25,000 Alaskans enrolled in plans purchased through the Affordable Care Act marketplace, many of those who will see the sharpest increase in insurance costs are owners of small businesses who say their contributions to the Alaska economy are on the line.

‘An entirely new calculus’

Robokoff said the monthly insurance premium for him and his partner is set to triple, going from $924 in 2025 to $2,886.

“This will pull the rug out from under me,” said Robokoff. “I thought I was doing the things that a society wants its members to do — create new businesses, create new jobs, improve the life of the surrounding community.”

AK Bark owner Mark Robokoff, photographed at his store in Anchorage in November 2024. (Loren Holmes / ADN archive)

Robokoff said that when he was younger, he went without insurance, but he now relies on medication that would cost thousands of dollars a month without insurance, so forgoing coverage is not an option.

Given the increase in the price of premiums, he said he will have to consider what changes to make in the business.

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“It’s an entirely new calculus. Everything is going to have to be looked at, from the prices I pay for merchandise, the quality that I try to stock, the amount that I pay my employees to keep the best ones — every single aspect of the store is going to have to be re-examined,” he said.

Robokoff said his mindset so far has been a “fingers-crossed hope that Congress would not put us in this ridiculous situation.” He thought, “our situation is so drastic that the government can’t help but come to our aid.”

“That hope and surety is rapidly being stripped away,” he said, as lawmakers have repeatedly punted on an extension.

‘Cut us at the knees’

Loidolt, who owns an accounting firm that employs four people, said her insurance premiums are set to go up roughly $500 per month, or $6,000 for the year, without the subsidies.

She already pays $1,347 per month in premiums. Without the extension of the subsidies, she’ll be paying more per month for her health insurance than she spends on her mortgage.

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“Who can afford to live when 30% of everything you bring in just pays for insurance and deductible?” Loidolt said.

Loidolt said she has tried to purchase a company plan for her business, but she learned that insurance companies largely don’t offer plans to companies in Alaska with fewer than five participating employees.

“So our hands are kind of tied there, too. It’s not like we have options and we’re choosing this more expensive option through the marketplace,” she said.

Loidolt recently suffered an accident that has left her with ongoing medical needs that would cost thousands of dollars a month without insurance. Going without insurance is not on the table, she said.

Given rising health care costs, Loidolt said she is considering shutting down her business, laying off her employees and ending the accounting services she provides to roughly 40 small businesses.

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Loidolt said she thinks she could get a salaried job that comes with benefits, but closing her business would be “heartbreaking” and devastating for her clients.

“I feel like we’re part of the solution, and this is going to make us part of the problem,” she said. “We’re the people that are actually paying our bills every month. We’re not on assistance. We’re making it work, even with these ridiculous prices. We’re offering jobs with small companies. We’re offering competition to people so that the monopolies don’t take over. And they’re just going to cut us at the knees.”

[GOP plans to replace Obamacare have failed. Here’s what lawmakers propose now.]

‘It makes me want to throw up’

Nan Schleusner, a human resources consultant in Anchorage, said she and her husband — who are both sole proprietors — have relied on insurance purchased through the Affordable Care Act since the enhanced premium tax credits kicked in.

The tax credits made marketplace plans affordable for them for the first time, just as Schleusner and her husband were getting older and encountering more health concerns.

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“Thank God” they got the insurance, Schleusner said, because in 2022, she was diagnosed with cancer.

“It was really wonderful when the enhanced premium tax credits took effect, because it helped with these extreme medical bills that we ended up having,” she said. “It was just that peace of mind, like, OK, it’s still a stretch — it’s not inexpensive — but we can do it.”

But now, Schleusner is facing $37,000 in annual premium payments and a $15,000 deductible for her family of three, for the cheapest plan on offer.

Schleusner said she is considering reaching out to some of the companies she consults for and asking to become their employee so she can join their insurance plan.

“I’ve been doing this 15 years, and I feel called to do it,” she said. “So I don’t want to give it up. It’s been some sleepless nights.”

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Schleusner this year paid $1,380 per month for her family of three, or $16,560 in premiums for the year. To keep the same plan she currently has next year, she’d pay more than 300% of this year’s cost, with premiums totaling over $52,000 annually.

“It makes me want to throw up every time I look at it,” she said.

“There’s the affordability part, but there’s the ‘what on Earth is going on that this is costing $50,000 a year?’ That’s not a reasonable cost,” she said.





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Alaska

Opinion: Life lessons learned from mushing and old-time Alaska

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Opinion: Life lessons learned from mushing and old-time Alaska


A steel arch commemorating sled dog racing was installed over Fourth Avenue in downtown Anchorage in November 2025. (Marc Lester / ADN)

This is the beginning of the Iditarod spring, signaled by the burst of sun and what used to be the long wait for dog teams to pass under the arch in Nome, the finish line a thousand miles away from Anchorage. For old-timers, it’s the story of the way Alaska used to be. What once was a 30-day wait has become about 10 days for winners to celebrate and the rest of us to shout, “Well done.”

My story is about family that welcomed immigrants from all over the world to be among the last groups of Indigenous people in the country, a life of taking good care of dog teams, and of parents who taught their children how to live in a wild, rugged frontier.

I came to be in a different age, a time of dog teams that ruled the trails to mining camps and where the salmon ran strongest — before the introduction of the snowmachine that revolutionized rural and Native Alaska.

For the Blatchford family, it is a recognition that some things will always stay the same and everything else changes. All four of my grandparents were noncitizens. My mother Lena’s parents of Elim were Alaska Natives, as was my dad Ernie’s mother, Mae, of Shishmaref. The name Blatchford comes from his father, the Englishman who was born in Cornwall and arrived in Nome during the gold rush. His brother, William, was one of the early immigrants, and by 1899 there was a creek just outside Nome named after him. He discovered gold. My grandfather, Percy, found gold, too, but it was a different kind of wealth, a finding that he had found home and never left.

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I was born in Nome, delivered by an Iñupiaq Eskimo midwife in a one-room cabin where the frozen Bering Sea met the treeless tundra’s permafrost. Dad had a dog team. I like to think that the dogs were anxious for me to be born because it was hunting time for Dad to hitch them up and mush out to where the sea mammals, snowshoe hares, ptarmigan and other game thrived in the winter. My earliest memories are of dogs; all of them working as a team to bring home the game so we could have a fine meal cooked by Lena. In the Arctic, dogs were essential for family survival. If you didn’t hunt, you didn’t eat.

There are several memories that remain strong. I suppose I can call them lessons of the Arctic.

The first is to take care of the dogs and treat them well. Dog lovers all over the world know very well that a dog, whatever the breed, is loyal and will die to protect the one who feeds and pets it. If you don’t feed a husky, it won’t pull, and it could mean a long time before the family eats. When a dog team is hungry, it will race back home to be fed a healthy meal. Mother Lena must have been a great cook because Dad said the dog team always raced back to the edge of Nome, where Lena was waiting beside the propane stove. For Mike, Tom and me, our job was to take the rifle, shotgun and .22 into the cabin to be cleaned and oiled. Once that was quickly done, we unhitched the dogs and then fed the team.

All three of us boys had special responsibilities to Tim, Buttons and Girlie. Tim, the lead dog, was brother Mike’s pet; Tom had Buttons, and I had Girlie. We made sure they were healthy and well cared for. Dad would often comment that “Papa,” our grandfather Percy, the Englishman, took good care of his dog teams, being kind to the dogs and feeding them. Dad was the oldest of a large family that lived in Teller and later Nome.

“Papa” Percy was a prospector, fox farmer and a contestant in the All-Alaska Sweepstakes, the dog team race from Nome to the mining camp of Candle, a 400-mile race. He didn’t win, but he finished well, very well. The stories of the Sweepstakes have remained with the family for over a century. At a memorial service in Palmer for “Doc” Blatchford, Aunt Marge, without a question or a prompt, said that Papa took good care of his dogs.

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Percy Blatchford was a legend in the Alaska Territory. As a teacher of Alaska newspapers, I would find headlines similar to one in the Fairbanks Daily News-Miner that blazed on the front page: “Blatchford Wins Solomon Derby.” There was even a story in The New York Times.

There’s probably no other sport in Alaska that brought Alaskans together like dog mushing. When old-timers would visit over strong coffee, dogs and dog team racing would come up. In the territory, there were few high schools and fewer gymnasiums, so the only team sport was dog mushing. It was something to talk about that was unique to Alaskans.

I used to travel in rural Alaska quite a bit. In the smaller communities, I would see the teams and would wonder how long they would power the engines that brought the mail and the foodstuffs down and up the trails. When I think of dog teaming, I think of the Iditarod and wonder, and then come to know, what the strength of the story would mean for bringing generations together from Papa Blatchford to his eldest son Ernie and to the fourth generation of Blatchfords in Alaska.

There are times when I think that old-time Alaska is gone. But then my faith and confidence in the old-time spirit are ignited when I see what others in the Lower 48 see. When I was walking in downtown Philadelphia, I looked up and saw on an ancient federal building a stamped concrete sculpture of a dog musher leaning into a blizzard. Such is the way I think of the Iditarod and the lessons I learned growing up with the dog team, preserved in my memories.

Edgar Blatchford is former mayor of Seward, Mile 0 of the Iditarod Trail.

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• • •

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These lines are adding Alaska cruises. Is your favorite on the list?

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These lines are adding Alaska cruises. Is your favorite on the list?



New Alaska voyages debut in 2026 as lines like MSC Cruises and Virgin Voyages expand into the booming market.

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Travelers will have new ways to see Alaska this year.

A number of cruise lines are launching sailings to the Last Frontier in 2026, from luxury to large family-friendly and adults-only ships. About 65% of people visiting the state during the summer do so by cruise ship, according to Cruise Lines International Association Alaska, and demand is high.

“I think Alaska is always very popular, but we’re seeing that ships are selling out way quicker than they used to,” Joanna Kuther, a travel agent and owner of Port Side Travel Consultants, told USA TODAY. 

With new inventory opening up this season, here’s what travelers should know about Alaska cruises.

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Which cruise lines are adding Alaska sailings?

  • MSC Cruises will launch its first-ever Alaska sailings aboard MSC Poesia on May 11. The ship will be fresh from dry dock to add enhancements, including the line’s luxe ship-within-a-ship concept, the MSC Yacht Club.
  • Virgin Voyages’ newest ship, Brilliant Lady, will operate the company’s inaugural Alaska cruises. The adults-only cruise line will set sail there starting on May 21.
  • The Ritz-Carlton Yacht Collection will debut its first Alaska cruises this year on its Luminara vessel. The first of those sailings will depart on May 28.

Those join other operators like Holland America Line, Princess Cruises, American Cruise Lines, Norwegian Cruise Line, Royal Caribbean International, Disney Cruise Line, Celebrity Cruises and more.

What are the draws of Alaska cruises?

Glaciers are a major attraction for visitors. “One of the major (draws) is Glacier Bay,” said Kuther. “…And then the other one is definitely the wildlife.”

That includes bears, whales, moose and salmon. In addition to its many natural wonders, the state is also a cultural destination where visitors can learn about its Native peoples.

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When is the best time to take an Alaska cruise?

That depends what you’re looking for. The Alaska cruise season generally runs from April through October, and Kuther said visitors will tend to see more wildlife between the end of June through August.

“That’s super peak season,” she said. “That’s also where you’re going to have more families, more crowds.” Some locals have also said those crowds are putting a strain on the very environment tourists are there to see.

Travelers may find less packed ships and ports by visiting earlier or later in the season – and there are other perks. If passengers go in May “it’s still a little bit snowy, so your scenery is going to be really cool,” Kuther said. Travelers visiting in September or October, meanwhile, could have a better shot at seeing the northern lights.

Where do ships usually sail?

The most popular itinerary is the Inside Passage, according to Kuther. That often sails round-trip from Seattle or Vancouver with stops such as Juneau, Skagway and Ketchikan. “People will go back to Alaska and do different routes,” she said. “This is a very good way to start.” 

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Other options include one-way cruises between Vancouver or Seattle and Anchorage. Travelers can also take cruisetours that combine sailings with land-based exploration, including train rides and tours of Denali National Park and Preserve.

Tips for Alaska cruises

  • Book early: Alaska itineraries sell out quickly, and so do shore excursions. Unique offerings like helicopter tours and dog sledding are popular, and there are only so many spots.
  • Consider a balcony cabin: This is “almost a must” in Kuther’s opinion. Crew members may make announcements about whales or other sightings near the ship, and guests with their own private viewing spot won’t have to race out on deck.
  • Pack carefully: “Packing is an art when it comes to Alaska,” Kuther said. “It really is, because you need so many things.” Her top three picks are bug spray, layers of clothing for the fluctuating temperatures and a waterproof jacket in case of rain.

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. You can reach him at ndiller@usatoday.com.



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Alaska lawmakers push Trump administration to waive $100k visa fee for international teachers

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Alaska lawmakers push Trump administration to waive 0k visa fee for international teachers


Some Alaska school districts say they can’t afford to hire and retain international teachers after the Trump administration hiked fees for highly skilled worker visas.  Alaska school districts have increasingly hired international teachers through the H-1B program amid an ongoing teacher shortage. Until last September, the annual fee for such visas was $5,000 per person. […]



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