Open enrollment for Affordable Care Act coverage begins Nov. 1, with millions bracing for higher premiums amid a congressional stalemate over enhanced subsidies at the center of the shutdown. About 22 million of 24 million marketplace buyers rely on the aid, set to expire after 2025; without it, average premiums would jump 114% in 2026, KFF says. Experts warn of fewer sign-ups, a riskier pool, and costlier years ahead. Consumers are urged to pick plans assuming no deal, watch for updates, and revisit choices before the Dec. 15 deadline to start coverage at the beginning of 2026.

Reviewed by JQJO team

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