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As the shutdown drags on, these people will lose if health care subsidies expire

Without extension, ACA premium tax credits will expire, doubling costs for many and risking loss of coverage for over 24 million Americans, analysts warn.

  • With the federal government shutdown in its third week and open enrollment approaching on Nov. 1, enhanced premium tax credits will expire at year-end unless Congress extends them.
  • Political stalemate over funding has left subsidy talks unresolved as Democrats demand extensions and Republicans insist on funding first; insurers set 2026 premium levels earlier this year factoring in subsidy lapses.
  • More than 24 million people rely on ACA plans, and KFF analysis finds losing the credits would more than double premiums, increasing costs by about $1,016 annually.
  • Facing higher costs, several people report they will delay needed procedures or forgo care because they cannot afford treatment without subsidies, individuals with chronic conditions and disabilities warn.
  • Insurers warn that, even if subsidies are extended, analysts say younger, healthier enrollees forgoing coverage could push premiums higher for remaining enrollees, with some receiving notices about steep increases.
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Bias Distribution

  • 43% of the sources lean Left, 43% of the sources are Center
43% Center

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Sandpoint Reader broke the news in on Thursday, October 16, 2025.
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