Rachel Mosley, a Florida pre-school teacher, recently learned her family's health insurance premiums are set to nearly triple to a staggering $4,000 a month next year when US government subsidies expire.

Like more than 20 million middle-class Americans, Mosley and her husband until now have benefited from subsidies connected to the Affordable Care Act, better known as Obamacare.

But under US President Donald Trump, these subsidies are set to expire at the end of the year -- and Republicans for now are refusing to negotiate their extension.

The explosive issue is core to the budget standoff between Republicans and Democrats, which has triggered a shutdown that has paralyzed the American federal government for a month.

And on November 1, insurance renewals and enrollments open -- leaving

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