What the Affordable Care Act has to do with the shutdown

WASHINGTON —

At the core of the government shutdown is a debate about the extension of health insurance subsidies under the Affordable Care Act, first implemented in 2021.

The shutdown began at the start of the new fiscal year, Oct. 1. In budget negotiations, Democrats were aiming to extend the expanded subsidies, set to expire at the end of 2025, while Republicans have emphasized reopening the government before beginning health care talks.

If these tax credits expire, it’s estimated that the more than 24 million people enrolled in marketplace plans will pay twice as much out of pocket, according to Jeanne Lambrew, director of health care reform at the Century Foundation. KFF estimated the average premium payment would increase 114% from $888 to $1,904 without expanded subsidi