How subsidy loss worsens insurance pools

The longest government shutdown in U.S. history ended a little over two weeks ago. Federal workers are back on the job. But one of the biggest fights that helped fuel that shutdown remains unresolved.

The enhanced subsidies that help millions of people afford health plans on the Affordable Care Act marketplaces are set to expire at the end of this year. Meanwhile, open enrollment for 2026 coverage is underway.

As part of the shutdown deal, Republican Senate leaders promised Democrats a vote on extending health care tax credits by mid-December. But the politics haven’t changed. It remains unlikely that the extension will get through the Senate, clear the House, or get to President Donald Trump’s desk.

What's in store for the future of the Affordable Care Act’s health insurance marketplaces? What kind of policy discussions are currently taking place?

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