A new car vs. health insurance? Average family job-based coverage hits $27K

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By Phil Galewitz, KFF Health News

With the federal shutdown entering its fourth week, spurred by a stalemate over the cost of health insurance for 22 million Americans on Affordable Care Act plans, a new report shows that over 154 million people with coverage through an employer also face steep price hikes — and that the situation is likely to get worse.

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Premiums for job-based health insurance rose 6% in 2025 to an average of $26,993 a year for family coverage, according to an annual survey of employers released Oct. 22 by KFF, a health information nonprofit that includes KFF Health News.

It’s the first time in two decades that the cost of covering a family of four has risen by 6% or more for three consecutive years, data from KFF shows.

Over the last five years, the average premium for family coverage has increased by 26%, compared with a 29% increase in workers’ wages and nearly 24% growth in inflation. The average cost for family coverage is now about the same as a new Toyota Corolla hybrid.

The average annual premium for an individual health plan provided by employers increased by 5% to $9,325 — nearly $3,000 higher than in 2016, according to the survey.

“It’s a concern as health costs just keep going up,” said Eric Trump, controller at Steve Reiff Inc., a small company in South Whitley, Indiana, that specializes in sandblasting and painting heavy equipment.

Trump, who is not related to President Donald Trump, said his company’s health insurance costs rose 8% for the 2026 fiscal year — roughly the same as they have in the last few years.

Workers at Reiff pay about half the cost of their health coverage. About half of its 20 current employees decline the insurance because they get coverage through a family member or choose to go uninsured, he said. “There’s not a lot we can do as we don’t have enough employees to spread out the costs.”

Most people with job-based insurance contribute to the cost of their premiums, with the average worker this year contributing $1,440 for individual coverage or $6,850 for family coverage.

Over time, more workers have paid increasingly higher deductibles, the amount they must spend out-of-pocket on medical services before their insurer pitches in. More than one‑third of covered workers are enrolled in a plan with a deductible of $2,000 or more for an individual. The share of workers with such a plan has increased 32% over the last five years and 77% over the last 10 years, the report said.

Rising drug and hospital costs are often cited as major culprits for rising health insurance costs, and neither shows signs of ebbing.

“Early reports suggest that cost trends will be higher for 2026, potentially leading to higher premium increases unless employers and plans find ways to offset higher costs through changes to benefits, cost sharing, or plan design,” the KFF survey said.

One big concern among employers is the high price of GLP-1 drugs for weight loss, which a growing number of companies cover. Their high prices, combined with strong demand, have led some workplaces to tighten or eliminate coverage for weight loss.

“Large employers know these new high-priced weight-loss drugs are an important benefit for their workers, but their costs often exceed their expectations,” study author Gary Claxton, a KFF senior vice president, said in a press release. “It’s not a surprise that some are rethinking access to the drugs for weight loss.”

Employers typically respond to higher health costs by shifting costs to their workers, but it’s unclear how much more financial pain workers can take. The survey found nearly half of large employers said their employees have “moderate” or “high” concerns about their level of cost sharing.

While the rising cost of employer-sponsored insurance has outpaced general inflation, the issue received scant attention in recent months on Capitol Hill. To help pay for extending tax cuts, Trump’s tax and spending law reduces by billions of dollars the amount the government spends on Medicaid, the state-federal health insurance program for 70 million low-income and disabled people. Congressional budget scorekeepers predict the cuts to Medicaid will lead to millions more people becoming uninsured over the next decade.

The federal government has been shut down since Oct. 1 as Democrats refuse to vote for a new spending measure unless Republicans agree to extend tax credits that help about 22 million people buy health coverage through the ACA marketplaces. Without congressional action, the tax credits will expire, and premiums will double for many consumers, starting in January.

The KFF report is based on a survey this year of 1,862 randomly selected nonfederal public and private employers with 10 or more workers.

©2025 KFF Health News. Distributed by Tribune Content Agency, LLC.

Average long-term US mortgage rate drops to 6.19%, lowest level in more than a year

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By ALEX VEIGA, AP Business Writer

The average rate on a 30-year U.S. mortgage fell this week to its lowest level in more than a year, extending a recent trend that’s helped give lagging U.S. home sales a boost.

The average long-term mortgage rate fell to 6.19% from 6.27% last week, mortgage buyer Freddie Mac said Thursday. A year ago, the rate averaged 6.54%.

This is the third straight weekly decline and it brings the average rate to its lowest level since Oct. 3, 2024, when it was 6.12%.

Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners refinancing their home loans, also eased this week. The average rate dropped to 5.44% from 5.52% last week. A year ago, it was 5.71%, Freddie Mac said.

Mortgage rates are influenced by several factors, from the Federal Reserve’s interest rate policy decisions to bond market investors’ expectations for the economy and inflation. They generally follow the trajectory of the 10-year Treasury yield, which lenders use as a guide to pricing home loans.

The 10-year yield was at 3.99% at midday Thursday, not far from around 3.97% the same time last week.

The average rate on a 30-year mortgage has remained above 6% since September 2022, the year mortgage rates began climbing from historic lows. The housing market has been in a slump ever since.

Sales of previously occupied U.S. homes sank last year to their lowest level in nearly 30 years. Sales have remained sluggish this year, but accelerated last month to their fastest pace since February as mortgage rates eased.

Mortgage rates started declining in July in the lead-up to the Federal Reserve’s decision last month to cut its main interest rate for the first time in a year amid growing concern over the U.S. job market.

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At their September policy meeting, Fed officials forecast that the central bank would reduce its rate twice more this year and once in 2026. Still, the Fed could change course if inflation jumps amid the Trump administration’s expanding use of tariffs and the recent trade war escalation with China.

Even if the Fed opts to cut its short-term rate further that doesn’t necessarily mean mortgage rates will keep declining. Last fall, after the Fed cut its rate for the first time in more than four years, mortgage rates marched higher, eventually reaching just above 7% in January this year.

The late-summer pullback in rates has helped spur homeowners who bought in recent years after rates climbed above 6% to refinance their home loan to a lower rate.

Mortgage applications, which include loans to buy a home or refinance an existing mortgage, slipped 0.3% last week from a week earlier, according to the Mortgage Bankers Association. But applications for mortgage refinance loans made up nearly 56% of all applications, a slight increase from the previous week.

Many prospective homebuyers are also turning to adjustable-rate mortgages. Such loans, which typically offer lower initial interest rates than traditional 30-year, fixed-rate mortgages, accounted for 10.8% of all mortgage applications last week.

Mortgage rates will have to drop below 6% to make refinancing an attractive option to a broader swath of homeowners, however. That’s because about 80% of U.S. homes with a mortgage have a rate below 6% and 53% have a rate below 4%, according to Realtor.com.

Annunciation ties unite Gophers, community in grief and hope

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Fletcher Merkel led an adventure into the middle of Huntington Bank Stadium in October 2024.

It was a Saturday evening that has become cherished, and even eulogized, after that charismatic 8-year-old boy was murdered in the mass shooting at Annunciation Catholic Church in Minneapolis on Aug. 27.

Last year, Fletcher, three of his second-grade friends and two chaperon dads attended the Gophers’ home game against 11th-ranked Southern California. Boyhood antics ensued before and during the game, but when Minnesota pulled off the 24-17 upset, Fletcher didn’t joke around when asked if he wanted the group to join rowdy college kids and elated adults in a field storming.

“Absolutely,” Fletcher said.

Will Sharpe, who coached Fletcher in flag football and other sports, shared that synopsis during Merkel’s funeral service at Mt. Olivet Lutheran Church on Sept. 7.

“That was Fletcher: Up for anything, loving life, loving sports, loving every moment,” Sharpe said from the pulpit.

‘A distinct memory’

It was a memorable contest for the Gophers, but for those there with Fletcher, it has become an indelible experience.

Family friend Michael Roaldi and his son MJ, along with dad Adam Dietenberger and his son Sebi, brought Fletcher and Will’s son, Trip Sharpe, to the USC game. On the ride up from south Minneapolis, Fletcher and the other football-loving boys talked about how the Gophers were going to win.

Fletcher might not have been the biggest Gopher fan of all-time — he did wear a Richfield baseball shirt to the game — but his positivity, energy and leadership shined through all evening.

“A glue guy,” Sharpe told the Pioneer Press. “When you think about someone who will pull kids together, who kids look to, that’s him in the classroom and on the field.”

On the walk to the stadium, the boys goofed around and tossed a football. “All smiles, all excitement, just so much energy,” Roaldi said.

Inside the stadium, Roaldi tried to remind the boys the Gophers were underdogs; betting odds placed the Trojans as 8½-point favorites. Yet after an early Gophers score, the boys ripped off their shirts and waved them over their heads. After more Minnesota points hit the scoreboard, his friends mobbed Fletcher as if he had scored the winning touchdown.

As the U kept it close, the boys made sure to remind Roaldi that he said the Gophers were likely to lose.

When the upset became official, the dads helped the little boys onto the field and the foursome took a bunch of photos, including one from the bench as if they were Big Ten players. In that pic, Fletcher lounged on the end, giving a thumbs up.

Fletcher Merkel, left, gives a thumbs up from the Minnesota Gophers bench after storming the field when Minnesota upset No. 11 Southern California 24-17 at Huntington Bank Stadium in Minneapolis on Oct. 5, 2024. Joining Fletcher, are from left, Sebi Dietenberger. MJ Roaldi and Trip Sharpe. These children and their families are members at Annunciation Church in Minneapolis and cherish this game as a memory after Merkel was killed in the mass shooting at the church on Aug. 27, 2025. (Courtesy of Michael Roaldi)

Last Friday, the Gophers pulled off another upset of a ranked team, a 24-6 win over then-No. 25 Nebraska. Fans stormed the field for the first time since USC.

Afterward, head coach P.J. Fleck embraced how the win allowed fans to “create moments and memories” on the field.

Roaldi choked up when recalling that fun night.

“It means a lot,” he said in an interview this month. “It’s great to have that memory because I know (Fletcher) had an amazing time that night. He was smiling ear-to-ear for four hours. … It’s easy to lose some of the details of what he was like day-to-day, but it’s a big event like that, such a distinct memory of how Fletcher was and what he meant to us.”

‘Samson of the moment’

Former Gophers lineman Matt Stommes and two of his children lived through the shooting inside Annunciation church the morning of Aug. 27.

He and his wife Molly took their four children from their home across the street to the church and school grounds. After dropping the kids off, Molly returned home to work, while Matt went inside the church for the first weekly Wednesday school mass of the academic year.

Matt and Molly’s youngest twins stayed in their kindergarten classroom that day, while their 8-year-old son and 12-year-old daughter entered the sanctuary. The service started.

Once the first shots rang out, children screamed and school leaders told the children to get down.

Stommes said he dipped low toward the outside his rear pew and crawled to the nearest exterior doors to hold them shut. The doors were locked, but he “felt as though blocking those doors was the most important thing I could do at that time,” he wrote in an email to the Pioneer Press.

The Stommes’ two older children were unharmed physically in the shooting spree, while Merkel and 10-year-old Harper Moyski were slain. There were 30 total victims, including 24 other children and three adults injured by gunfire.

Roaldi and Sharpe consider what Stommes did inside that church during those horrific moments to be a heroic act. Once it was over, Stommes and other parents carried injured children out of the church as first responders arrived.

“I can’t speak highly enough of Matt,” Sharpe said. “He embodies Annunciation. He’s part of everything. He has four kids there. His wife is part of everything. Matt is like 6-(foot)-6. Someone described him as the Samson of the moment. … He’s putting himself in harm’s way for the kids. I just think that’s indicative of him.”

When asked about his heroism, Stommes turned attention to how the older school children protected the younger ones in a “buddy system,” and how parish leadership and school staff were on “the front lines” protecting all the children.

“They are all heroes for me when I think of their courage and strength,” Stommes wrote. “Several parishioners and parents I was standing next to at mass ran toward the children to help them immediately.”

The Annunciation shooting happened on a Wednesday; the Gophers football team opened their 2025 season the following evening.

Stommes, who grew up on a dairy farm in Eden Valley, Minn., played defensive line and then offensive line for the Gophers, winning letters from 2007-09 before a brief stint with the New York Jets. He still follows his former college team.

Gophers running back Amir Pinnix, center, celebrates his game-winning touchdown with teammates Justin Valentine, left, and Matt Stommes, right, as Minnesota defeated Miami of Ohio 41-35 in triple overtime at the Metrodome in Minneapolis on on Sept. 8, 2007. (Doug Pensinger / Getty Images)

After the tragedy, Stommes avoided watching local or national news. Yet late Thursday night, he flipped on highlights of the Gophers’ win over Buffalo, and then caught Fleck’s news conference.

Fleck’s impassioned, minutes-long opening statement touched on the “demonic tragedy” that occurred only seven miles south of the stadium. Stommes recalled Fleck saying he was praying for the victims and how he talked to his team about the shooting. How they were “playing to give hope to people, maybe for a minute,” while adding, “I’m sure this doesn’t make anyone feel better.”

Fleck’s voice cracked during his speech, but his message gave Stommes comfort and hope. Days after the game, Stommes wrote a note of thanks to Fleck. In turn, a wooden oar signed by Fleck was delivered to Stommes home.

“Matt, we are all rowing with you during this horrific time. RTB! (Row The Boat).”

Rain to rainbows

The Annunciation community was in mourning and didn’t know how to proceed with its annual September Fest, set for three weeks after the shooting. Some thought they should take a year off, but they opted for alterations instead.

After approval from church leadership, chairwoman Lisa Stocco infused the event with more than 20 Gophers football players serving as guest pitchers and coaches for the event’s centerpiece whiffle ball games. She had reached out to her old college friend Matt Simon, the Gophers’ receivers coach. She played soccer at Northern Illinois when Simon was a receiver for the Huskies.

Simon passed the request to Norries Wilson, the U’s director of player development, and he asked Stocco what she needed when and where.

“It was just one of those things that if I said ‘jump,’ they would say, ‘How high?’ ” Stocco said in a wavering voice. “It was … I didn’t even know what I needed. And they were just willing to do anything.”

The Gophers program under Fleck prides itself on “serving and giving” in the community, and a drove of players turned out on a free Friday night before their bye week on Sept. 20.

“I want to write their moms’ notes to tell them they raised good kids,” Roaldi said. “… Imagine the fun things they could have been doing, but to spend that much time with those kids, just talking to them and encouraging them, that was really cool.”

Sharpe ran into star defensive lineman Anthony Smith as they walked separately into the event, at first blown away by Smith’s mammoth stature at 6-foot-6 and 285 pounds. Smith came up to Sharpe and shook his hand.

“(He) obviously wanted to be there, wanted to be present,” Sharpe recalled. “That was just a meaningful, small glimpse into what took place.”

For Gophers players, the reality of the shooting set in when they interacted with kid victims, including 12-year-old Lydia Kaiser. The eighth grader suffered a traumatic brain injury and had surgeries to remove bullet fragments and alleviate brain swelling. She was released from the hospital in early September, with half of her head covered in long brown hair, and the other side shaved.

“When they saw Lydia, you could just see it kind of hit a lot of them — how real it was,” Roaldi said.

Gophers linebacker Devon Williams met a family effected by the shooting and gathered players for a picture. In one photo, the Gophers players surrounded Endre Gunter, a 13-year-old boy who was shot in the stomach. After being shot, he protected a 6-year-old school mate.

“It was a very humbling experience,” Williams said.

More than 20 Minnesota Gophers football players volunteered at the Annunciation Church and School’s Sept. Fest in Minneapolis on Sept. 19, 2025. They are pictured with 13-year-old Endre Gunter, wearing black in the middle, who was a victim in the mass shooting at the church on Aug. 27, 2025. (Courtesy of Lisa Stocco)

The September Fest whiffle ball games started in the rain, but the storm clouds passed as the sun and even rainbows shined through.

“It was wonderful,” Stocco said.

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One family fled Afghanistan. Then US deportations scattered them across the world

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By MEGAN JANETSKY, Associated Press

As they walked up to the thick metal pillars of the border wall dividing Tijuana and San Diego, the Hussaini siblings carried nothing from their lives in Afghanistan than a hazy fantasy of what awaited them on the other side.

Amir, 21, and his sisters, Suraiya, 26, and Bano, 27, arrived in northern Mexico with an appointment for Jan. 24, four days after U.S. President Donald Trump took office.

That was the day they were supposed to enter the U.S. and make their case, marking what they thought would be an end to the repression by the Taliban after the withdrawal of American troops in 2021, and to their 17,500-mile journey by foot, canoe, bus and plane across the world.

That was all before the door to asylum slammed shut along the U.S. southern border moments after Trump took office. Trump’s victory was based in no small part on support from voters who embraced his hard-line immigration views. Within days, his administration had transformed what it meant to seek refuge in the U.S., casting aside an ethos of helping the persecuted that is nearly as old as the country itself.

Families such as the Hussainis are suffering the cascading consequences of larger political shifts as countries tighten asylum policies and turn away refugees. In Afghanistan, whose tumultuous history is intertwined with American military and foreign policy, the expulsion carried an added sting because the Hussainis believed they would find safe harbor in the U.S.

Instead, Amir watched his sisters being torn away from him by American border agents under the harsh fluorescent lights of a detention facility. It was the last time he saw them.

Half a year later, the family has been dispersed to different countries as part of the administration’s push to send immigrants and refugees to far-flung, unfamiliar and often dangerous places. One sister is trying to navigate life in the far reaches of South America. The second is marooned in Central America. Amir is back in Afghanistan, plagued by fear in the very country the family fled.

“We had reached the end of our journey … and our hopes were completely shattered,” Suraiya said. “I can’t necessarily call it a betrayal, but the fact that they didn’t interview us, ask about our fears or why we fled our country. It all seemed very cruel.”

FILE – People in San Diego wave across the border structure to others in Tijuana, Mexico, Nov. 23, 2018. (AP Photo/Rodrigo Abd, File)

Watching a future in Afghanistan dissolve

For most of their lives, even as their homeland was riven by war, Suraiya and her siblings never dreamed of leaving.

But as the years rolled on, they watched the life they were building dissolve. That was when they turned to the U.S., which once funneled hundreds of billions of dollars in humanitarian and military aid into Afghanistan, as the place that could offer them a new life.

The Hussainis grew up in an area run by local gangs on the fringes of Kabul, the capital, after the fall of the Taliban in 2001. Their father was a metalworker. Their mother could not attend school but wanted everything for her children.

After centuries of targeted massacres and persecution, the Hussainis’ ethnic minority group, the Hazaras, felt a respite with the Taliban out of power. For women, the doors to education and work finally were opened.

“I never thought I would go to America. I hadn’t even seen American soldiers up close until they left and the Taliban came back” four years ago, Suraiya said. “My family was in Afghanistan. I just wanted to be here doing the things my parents were never able to do.”

Amir, an aspiring musician with thick, curly black hair and an optimistic smile that crinkles the corners of his eyes, would spend weekends working as a wedding DJ. Suraiya, his more reserved older sister, studied computer science in a public university sitting side by side with men.

Suraiya dreamed of a career, but that changed in her third semester in college in 2021, when the Taliban-led government resumed a a yearslong effort to systematically exclude women from much of society.

Taliban officials came to her classes and told women they were no longer allowed to attend school alongside men. She was transferred to a Taliban-run school, where women were only allowed to study dentistry. Ultimately, women were banned from higher education.

For Amir, work evaporated when the Taliban prohibited most forms of music, which they said was against the teachings of Islam. In 2023, authorities announced that religious police would scour wedding halls in Kabul to enforce the ban. In 2024, they announced they had “seized and destroyed” over 21,000 instruments.

“The Taliban told me I had to quit my job a number of times. But if I gave it up, I would have lost everything – my work, my livelihood, my entire way of life,” Amir said.

Under the new government, some of Afghanistan’s millions of Hazaras have been killed in raids and attacks as part of a campaign of violence and discrimination. Suraiya became increasingly scared to go outside. The home she shared with her parents and five siblings felt more like a prison.

“We were considered nothing just because we were Hazaras,” she said.

The Hussainis felt they had no choice but to leave.

The Taliban government did not respond to a request for comment about criticisms of human rights concerns about their treatment of Hazaras and women under its rule.

Crossing continents

To finance their journey to the U.S., the three siblings sold everything they owned in 2023, including a family home.

Along with Bano and her husband, the siblings traveled to neighboring Iran, where they spent a year applying for a humanitarian visa to Brazil. While they waited, Bano gave birth to her first daughter.

In Iran, the family and the baby lived in a ramshackle home in Tehran, eluding detection to avoid being swept up in deportations by Iran’s government. In spring of 2024, their spirits lifted when they boarded a flight to Brazil with new humanitarian visas. A world of possibilities seemed to await.

The airport in Sao Paolo is the starting point for many migrants traveling to reach the U.S. In a span of months, the Hussaini family crossed 11 countries, winding their way north by bus through the high-altitude deserts of Bolivia and the dense forests of the Andes.

Suraiya carried a hair clip her mother had given her and a few totems from friends. Then, in Ecuador, those small pieces of her former life were stolen.

The siblings joined more than a million people who crossed the Darien Gap between 2022 and 2024. Controlled by criminal gangs, the perilous stretch of jungle dividing Colombia and Panama has turned into a migratory highway for those fleeing economic crisis, repression and war.

Suraiya remembers the pouring rain and the crying of her sister’s baby as they trudged through the rainforest. By the time they climbed out of the jungle days later, their shoes were in tatters.

Only able to speak their native Dari, they did their best to learn small words like “amigo” and basic questions to communicate.

One night, she heard that three people, including a 6-year-old child, had drowned in the river next to where they were sleeping.

For the first time, she wondered if they had made a mistake.

“Nothing was as difficult as the jungle. … I had never seen anything like it,” she said. “There was this feeling of regret, but there was no way to go back.”

Asylum contracting globally

As they were traveling, access to asylum was constricting globally. In September, the United Nations refugee agency warned that governments around the world, namely the U.S. and European countries, were increasingly undermining the global convention on refugees and asylum-seekers.

“The institution of the asylum worldwide is under more threat now than it has ever been,” Ruvendrini Menikdiwela, assistant high commissioner for protection at the agency, told reporters.

Experts describe the shift as “protection fatigue” triggered by rising rates of displacement around the world.

By the end of 2024, 123.2 million people worldwide – approximately 1 in 67 people – were living forcibly displaced from their homes, according to the U.N.

“Governments have gotten much less tolerant of asylum,” said Susan Fratzke, a senior policy analyst at Migration Policy Institute. “Rather than trying to solve these problems within their asylum systems, they’re increasingly turning to measures that really push the boundaries of what’s legal.”

Democratic President Joe Biden’s administration had already been cutting access to asylum and trying to slow the flow of migrants before the 2024 election. Under Republican Trump, access to asylum along the U.S-Mexico border has virtually disappeared.

Governments from Europe to Australia to Asia have heightened restrictions and even imposed laws criminalizing asylum-seekers.

Nigel Farage, the head of the United Kingdom’s far-right party, promised to carry out mass deportations if it wins elections next year, regardless of the dangers that asylum-seekers may face back home.

“We cannot be responsible for all the sins that take place around the world.” Farage said.

‘No other country will take you’

Amir, Suraiya, Bano and her husband and daughter arrived in Mexico in the fall of 2024. Like many asylum-seekers, they spent nearly half a year in limbo waiting for the chance to make their case to American authorities.

They would wake up and immediately apply for an appointment on a Biden-era app, known as CBP One, a daily lottery under which more than 900,000 people entered the U.S. without a visa for up to two years, with eligibility for a work permit and a shot at getting asylum through immigration courts. It was a game of chance and patience more than circumstance.

To pay for a small room they shared with other migrants, they cleaned the streets of Mexico City for coins. They went to bed each night unsure of their fate.

FILE – The border fence ends at the Pacific Ocean, Dec. 20, 2022, in Tijuana, Mexico. (AP Photo/Marcio Jose Sanchez, File)

In January, they received word that their names were selected. As they made their way to the Tijuana-San Diego border, their once-vague ambitions gave way to imaginings of returning to college, finding work and building a life in the U.S.

But the date of their appointment was Jan. 24, four days after Trump took office. Their plan to seek asylum disappeared when his new administration shut down the app and canceled all appointments, stranding tens of thousands of people like the Hussainis in Mexico.

Desperate, the family decided to cross the border illegally and present themselves to authorities as refugees in early February. American and international law allows vulnerable populations to seek asylum regardless of whether they enter legally, but under Trump that has virtually disappeared.

The family crossed a muddy Alamar River running along the border. Reeking of sewage, they were detained by Border Patrol agents who brought them to a detention center near San Diego that was wedged between farms along the border fence.

The few belongings — phones, passports and a small packet of medicine — they had left were seized and the family was torn apart.

Locked in the concrete facility for more than a week and wearing the same grimy clothes, the siblings begged authorities to see each other or to call family in Afghanistan and in the U.S. for help.

It was all in vain. They were not told where they were going and were not permitted to present their asylum case.

“You have no options,” Suraiya remembers being told by U.S. Customs and Border Protection officers. “Because you have been in prison here in the U.S., no other country will take you.”

Within weeks, the Hussaini siblings were loaded onto three separate planes that would scatter them overseas, setting each on very different paths.

Department of Homeland Security spokesperson Tricia McLaughlin said their case was a “sob story” and that reporting on their separation was “pure garbage.” She did not answer multiple questions inquiring why the siblings were separated and sent to other countries. She said those seeking humanitarian protection should ask at official border crossings, not enter illegally, even as that path has become largely impossible under Trump.

“These are grown adults who made a choice to try and enter our country illegally,” she said.

A family torn apart

Amir felt utterly alone.

It was March. He had spent two sleepless days and nights aboard commercial airlines with no hint where he was headed.

His plane stopped in Dubai, where he stepped out into the white halls and flashing lights of the airport. Armed guards met him, soon confirming his suspicion that he would be returned to Afghanistan.

He sobbed for hours in a cell at the airport and begged guards not to send him back. He went to the restroom and tore up documents confirming his asylum appointment and deportation papers, anything that could provide evidence to the Taliban that he had sought asylum in the U.S.

Shortly after, he said he was forced aboard a plane to Kabul.

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“At first there were two soldiers, then there were four. I kept refusing to board and they dragged me onto the plane while I cried,” he said.

The stories of people like the Hussainis are mostly lost in the headlines about U.S. Immigration and Customs Enforcement raids and deportations, which have only accelerated.

ICE averaged 710 arrests a day during Trump’s first six months in office, up from 311 a day during the final budget year under Biden, according to agency data obtained by Deportation Data Project, based at University of California, Berkeley and analyzed by The Associated Press.

Less visible is the human toll of the policies and what is in store for those denied asylum when they return home.

Migrants are often dropped back into the circumstances that forced them to flee, and they also often face a combination of economic deprivation, physical danger and social exile.

In Afghanistan, with no political opposition, the Taliban wield unchecked power and have targeted everything from civil society to musicians, while extremist groups attack Hazara minorities.

The U.N. has urged member nations not to deport anyone, even those who have been denied asylum, to Afghanistan.

In a July report, the U.N. warned that people being returned to Afghanistan increasingly face “threats, arbitrary arrest, detention, torture and ill-treatment” only exacerbated by closing pathways out of the country. As a result, they are forced into hiding.

Despite that, ICE arrests of Afghans in the U.S. have jumped along with that of people of other nationalities since Trump took office, compared with arrests during the final year of the Biden administration.

Living in the shadows in Afghanistan

Back in Afghanistan’s capital of 5 million people, fear follows Amir like a shadow.

When he returned, he walked through the Kabul airport with his eyes cast downward, terrified he would be targeted.

“The dangers I face are these: If I am arrested, I will be questioned about why I left the country. Secondly, I might be accused of being a spy because I came back from America,” he said. “Simply fleeing the country is itself considered a threat.”

Every night, he tries to sleep in a new place, often with friends or extended family, though many of them have cast him away, worried they could become targets.

“Most nights I am alone. I try not to communicate with many people,” he said.

After he had his phone searched at a police checkpoint, Amir began to delete messages and contacts in his phone. He wants to work, but worries that returning to the same place every day could draw attention. That’s only been exacerbated by soaring unemployment and instability fueled by mass-expulsions of Afghans from nearby countries.

His money gone, Amir has been left to ask friends for assistance.

He awakens each day to shrinking options. Sleep eludes him, fear grips him, hunger torments him. He tries to not let hopelessness overwhelm him.

“I’ve lost everything.” he said. “You lose hope in life.”

FILE – Asylum seekers embrace upon arriving in Panama City, March 8, 2025. (AP Photo/Matias Delacroix, File)

Dropped in a legal ‘black hole’ in Central America

Amir’s sisters tried to track him down and search for help, writing aid groups and anyone they could for help or more details on his whereabouts. That was when Suraiya first messaged The Associated Press, and when months of correspondence with journalists began. AP later spoke to Suraiya from a migrant refuge in Panama, with Amir over the phone as he hid away in Kabul, and maintained contact with them in their native Dari since.

The sisters struggled to aid their brother as they struggled in their own world of precarity.

In early February, his sisters were awakened by officials in the morning in their cells in the California detention center and loaded onto separate flights to Central America.

Bano, her husband and 1-year-old daughter were sent to Costa Rica. Suraiya was sent alone to Panama, part of a larger deal struck with the U.S. government.

They were sent with 400 other people fleeing war and repression in Afghanistan, Iran, Russia, China and Sudan, and were among the first to be deported from the U.S. and dropped in third countries. Others have been sent to El Salvador, South Sudan, Eswatini and Mexico.

FILE – A Vietnamese child deported from the U.S. arrives in Panama City, March 8, 2025. (AP Photo/Matias Delacroix, File)

Human rights groups have argued that those deportees have been dropped into a legal “black hole,” part of a punitive strategy by the administration to dissuade others from attempting the journey north. Panama’s then-vice foreign minister told the AP that the government was detaining deportees such as Suraiya to help the Trump administration “send a signal of deterrence.”

In October, the chief of the U.N’s refugee agency suggested that Trump’s deportations practices were breaking international law.

Without speaking Spanish or English or having the money to pay for a lawyer, people deported to third countries often lack basic legal protections and have few ways out.

The increasing use of such deportations have fueled concern that the governments are creating a roving population of migrants with few safeguards.

In a September AP-NORC poll, three in four of those polled said the U.S. opening its doors to refugees fleeing violence in their own countries should be a high or moderate priority, marking a slight warming by Americans toward refugee populations since just before Trump took office. Nearly half of Americans maintain that Trump’s deportation efforts have gone too far, an opinion split along partisan lines.

‘We cannot stay here’

Suraiya stepped out of the military plane into thick tropical air feeling disoriented. She tried to figure out where she was. Then she saw guards with uniforms that said “Panama,” the same place she had passed through months before.

She and some 200 migrants were locked into hotel rooms in the country’s capital. While some deportees held up signs reading “help,” Suraiya peered down at the city from her window, held a hand up to her head and cried.

“It was a feeling of hopelessness and heartbreak, like being beaten down,” she said. “After all the hardships, after the long journey and the struggles of the jungle, they brought us back.”

One late February night, she said Panamanian officials took them from their beds and drove them to a remote camp in the Darien Gap, where their phones were seized.

FILE – Migrants arrive in Panama City, March 8, 2025. (AP Photo/Matias Delacroix, File)

In jungle heat, guards threatened to send them back to their home countries, and fed the detainees rotten food, Suraiya, other detainees and human rights groups said. Officials refused to provide an increasing number of sick people medicine unless they paid, detainees said.

Facing international criticism, Panamanian authorities dropped Suraiya and others on the streets of Panama City. Human rights groups later offered them shelter in a former school.

It was there, in the small brick gymnasium, that she heard from her siblings for the first time in weeks.

In Costa Rica, Bano and her family were bused with hundreds of others to a former factory that was turned into a migrant detention facility along the Panama border.

The hundreds of migrants, including 81 children, were barred from leaving the facility for months. That led to a lawsuit by a human rights group arguing that the government had subjected the kids to “inhumane treatment.”

Later released and given temporary protections in Costa Rica, Bano and her family have spent the past months applying for asylum in Canada and Switzerland. She said the countries refused.

“In Costa Rica, we have no one from our country, no friends, no family, and no money,” Bano said. “We cannot stay here.”

What weighs on Suraiya most, though, is her brother.

She spends her days glued to her phone in a sparsely furnished room she shares with other Afghan deportees, checking on Amir and writing to human rights organizations. A small fan cuts through the afternoon heat.

“From afar, I can’t help my brother at all,” she said. “I saw with my own eyes everything he went through on our journey. I knew his goals, his dreams. But when he was deported to Afghanistan, I knew that was all gone.”

Finding refuge in one country willing to open its doors

In September, Suraiya finally found some relief as she boarded a plane out of the Panama City airport.

After months of humanitarian groups searching and herself going door to door to foreign consulates with other Afghans in a push to find any place that would accept them, Chile agreed to open its doors.

As she looked out on the Andean mountains towering over the Chilean capital, Santiago, and wandered the streets of her new city, she allowed herself to wonder what her new life would look like.

Perhaps she would return to school. She thought first of getting Amir out of Afghanistan, then of her sister stranded in Costa Rica, then her younger sisters whose studies had been cut off just like hers. She thought of the future she could finally build.

When she arrived at her new home and called her parents, the first thing she said was, “All I want is for you to come so we can build a life together.”

Associated Press photojournalist Matias Delacroix contributed to this report from Panama City.