As health-insurance premiums on the Outer Cape gear up to double or more for many middle-income households, Outer Cape Health Services’ (OCHS) access specialist Tessa Morrison is stepping into the breach—not just as an insurance-navigator, but as a trusted guide. When the federal subsidies that once helped stabilize premiums on the Massachusetts Health Connector marketplace disappeared this year, Tessa began fielding anxious calls from residents wondering how to compare six insurers, assess deductibles, and avoid spiraling costs. Her consultations—bringing income documents into her Provincetown office, reviewing personal circumstances one household at a time—are becoming lifelines as the safety net tightens and premiums climb.

Read Paul Benson’s story Insurance Prices Soar as Some Federal Subsidies End in the Provincetown Independent.