NEW YORK (AP) — Thursday was the final day to select an Affordable Care Act health insurance plan across much of the country, as the expiration of federal subsidies drives up health costs and lawmakers remain locked in a debate over how to address the issue.

On the last day to sign up for an Affordable Care Act plan for the year, those seeking health insurance must choose between paying skyrocketing premiums or risking financial catastrophe if they get sick.

After the ACA tax credit lapsed in December, enrollees are opting for less robust health plans or dropping coverage altogether.

The end of temporary subsidies for Affordable Care Act health insurance policies is causing many to lower or end their coverage amid open enrollment.