Looking for health insurance in 2025? If so, you have one more month to sign up for Access Health CT, Connecticut’s version of Obamacare.

But the program’s future is in doubt. President-elect Donald Trump and top Republicans in Congress are promising major changes – and those changes could cost customers a lot of money.

When people walk into the Greater Bridgeport Area Prevention Program, they can get help with everything from HIV to housing.

The need is great.

“Most of our clients have two, three jobs to be able to maintain,” said GBAPP program director Maria Prieto. “The cost of rent is so high in Bridgeport.”

The nonprofit also helps people enroll in Access Health CT. Open enrollment runs until Jan. 15.

“So far, we are ahead of last year,” said Access Health CT CEO James Michel.

But Michel is worried about the future. Trump is sharply critical of the Affordable Care Act – better known as Obamacare – but has made conflicting statements about changes he might make.

“We have concepts of a plan that would be better. Still just concepts,” he told NBC’s “Meet the Press” on Sunday. “Obamacare stinks. It’s lousy. There are better answers. If we come up with a better answer, I would present that answer to Democrats and to everybody else, and I’d do something about it.”

The ACA comes at a steep cost to taxpayers. The current federal subsidies, which help patients pay for their health insurance, will cost $335 billion over the next decade, according to the Congressional Budget Office.

“At a time when we are experiencing a record $35 trillion national debt with health care expenditures accounting for nearly 18% of GDP, it is unconscionable that Democrats would continue to push for massive taxpayer-funded handouts to the wealthy and large health insurance companies,” said House Budget Committee Chair Jodey Arrington (R-Texas).

The program has also grown by 88% since Congress enhanced subsidies under the 2022 Inflation Reduction Act, according to an analysis from KFF, a nonpartisan health care policy research group.

But scrapping Obamacare subsidies could cost you a lot money.

In Connecticut, 140,000 people get health insurance from Access Health CT – and 90% of them receive federal subsidies. The average amount? Around $1,060 per month, but some patients get up to $1,500.

The current subsidies expire at the end of 2025. If they do, Michel predicted that healthy people will drop their coverage.

“Which means that, you would only have the people who are sick on health insurance,” he said. “Then that drives up costs for everybody because they are constantly going to be using the health insurance.”

That could also drive insurance carriers out of the exchange, meaning fewer options.

“Without these enhanced subsidies, premiums would double or more, on average, for subsidized enrollees in 12 states using Healthcare.gov,” KFF said.

But you could pay more even if you don’t use Access Health CT. Prieto believes her clients will go to the emergency room if they drop health coverage – driving up costs for everyone else.

“Health insurance is the one thing that is going to be cut, because they have to worry about their next meal,” she said. “They have to worry about maintaining their child, their children. They have to be able to pay a rent.”

And it’s not just Obamacare. Medicaid – better known as HUSKY in Connecticut – could see federal funding cuts and stricter eligibility requirements.

Access Health CT offers 22 plans with three insurance carriers – Anthem, Connecticare and Connecticare Benefits Inc.

There are several ways to compare plans and sign up:

Outside of open enrollment, you can enroll any time during the year if you are eligible for HUSKY Health (Medicaid/CHIP), are an American Indian or Alaska Native, or have a Qualifying Life Event like losing your job, getting married or having a child.

We could have a better idea how much any changes could cost Access Health CT customers next summer. That’s when insurance carriers start filing for rate increases.