ALBANY, N.Y. (NEXSTAR) — New Yorkers face health insurance premium increases for 2026, with politicians still trading blame over the looming expiration of Affordable Care Act tax credits. Democratic Senators Chuck Schumer and Kirsten Gillibrand of New York want House Republicans to negotiate on extending the credits to end the federal government shutdown that started on October 1.

ACA premium tax credits are federal subsidies that lower the monthly cost of insurance for working families who buy coverage through the marketplace. They're supposed to benefit families who make too much to quality for Medicaid or the Children's Health Insurance Program but don't get insurance through work.

Those who benefit the most from ACA subsidies are "families who own the mom and pop corner stores in the

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