With the start of Affordable Care Act open enrollment on Nov. 1, ACA enrollees across the nation are facing soaring insurance costs.

The start of open enrollment, which runs until Dec. 15, marked a watershed moment in negotiations to end the federal government shutdown, which became the longest in U.S. history on Wednesday.

ACA enhanced Premium Tax Credits, ePTCs, were enacted by the American Rescue Plan Act in response to the COVID-19 pandemic, extended by the Inflation Reduction Act and set to expire at the end of 2025.

Congressional Democrats have demanded the continuation of the premium tax credits as a condition of voting to reopen the government and urged Republicans to negotiate a plan to extend before the start of open enrollment to avoid disruptions in ACA users’ 2026 plan appl

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