A self-employed computer programmer, Kelvin Smith of Lehigh Valley, Pennsylvania, can no longer afford the only health care plans available to him.

This week he told his regional paper, The Morning Call, that he earns too much for government subsidies, his former plan was discontinued this year — and the only comparable plan for him and his family of four lies out of reach for him financially.

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“Essentially, we’d be paying $25,000 and getting very little out of it,” Smith, who is married and has two boys, eight and six, told the paper. The family’s out-of-pocket-costs, including medication to treat his younger son’s allergies, would bring health care expenses closer to $30,000 a year — nearly a third of his annual income. “We’ve got to figure something out,” he told The Morning Call.

Health insurance premiums for Sam Hobbs, his wife, and their two teenage boys once cost $895 a month. Over the past 14 months, two of his plans canceled and the Delaware family is now looking at having to pay close to $1,800 a month — with a $14,300 deductible.

“I’m trying to start a business,” Hobbs, one of the founders of Twin Lakes Brewing Co. in Greenville, told Delaware Online. “It’s almost the price of a mortgage.”

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Nationwide, Americans are just starting to get a good look at what their health insurance rates will be in 2017 — both on and off the Obamacare exchange markets. And that’s if they should choose to pay them. A growing number of families are choosing to go without, they told LifeZette, because their new rates just aren’t sustainable.

“It’s like a bucket of water,” said one young father from Minnesota. He works two jobs to help care for his family. He knows it takes hard work to make ends meet — his wife works full-time as well. But they’re planning to take the penalty this year and with it their chances everyone will be OK, because their new premiums are unsustainable for the family of four.

“You can only take so much of out it and not put any back in, before it runs dry. This is completely unsustainable,” he told LifeZette.

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The latest double-digit spike in Obamacare premiums has put the ACA into the spotlight during the final days of the presidential election. Hillary Clinton plans to expand the Affordable Care Act, moving toward a single-payer system. Trump has vowed to repeal and replace the law.