I remember the knot in my stomach when I had to tell one of my best workers at Miramar Group that we might not be able to keep offering affordable health coverage. He’s been with me for years — reliable, hardworking, with two kids. The look on his face said everything: Without decent health insurance, his family is one accident away from financial ruin.

That conversation haunts me because I know it’s happening across Illinois right now. Families are opening their 2026 insurance renewal letters, and the numbers are devastating. This isn’t an abstract policy debate in Washington — it’s about real people in my community who are about to lose something they desperately need.

Since 2021, enhanced premium tax credits have been the difference between having health insurance and going without fo

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