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As the federal shutdown enters a third week, a partisan standoff over extending enhanced ACA premium tax credits has Americans on edge. Democrats want extensions before reopening; Republicans insist on a clean funding bill first. KFF estimates premiums could more than double in 2026 if the boosts lapse after 2025. In Illinois, Doug and Shadene Butchart face a $1,273.82 monthly premium and fear downgrading coverage; in Florida, Nancy Murphy’s $1,019 plan is fully offset by credits. Both worry about affording essential equipment and medications without the subsidies.

Prepared by Christopher Adams and reviewed by editorial team.