As Congress scrambles to avoid a government shutdown, one critical issue at stake is the continuation of federal subsidies that make health insurance affordable for millions of Americans. If lawmakers fail to pass a budget or a temporary stopgap known as a Continuing Resolution (CR) by Sept. 30, enhanced premium tax credits (EPTCs) under the Affordable Care Act will expire at the end of this year.

A CR is a short-term law that allows Congress to extend current federal funding levels while negotiations continue on a full budget. Without one, much of the federal government shuts down, disrupting programs and leaving millions of families vulnerable. In this case, losing subsidies could push health coverage out of reach for many Americans.

For Californians — including African American househ

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