On Nov. 1, Michelle Higgs plans to check the Affordable Care Act health insurance marketplace portal and see how much more she will pay next year if Congress fails to extend enhanced subsidies.

She estimates that her current plan, which also covers her husband and two young children, would increase by more than $2,000 per month without subsidies. But that's before factoring in insurance companies' annual premium hike, which is the steepest nationally since 2018.

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