At 59, Susan Wood, a longtime Boise, Idaho, resident, was too young to qualify for Medicare when she retired in July. So she signed up for a marketplace plan under the Affordable Care Act, often called Obamacare.

But in the months since, the federal government’s proposed changes to health insurance have threatened to upend her planning — and that of thousands of Idahoans and Americans, she warned. Federal subsidies she relies on are set to expire at the end of the year, and Congress is at an impasse over whether to extend them.

Wood spent decades working in the insurance industry and knows it well, she said. Over the years, she held jobs in Medicare and group health insurance, opened up her own long-term care agency and trained insurance agents. She picked a “middle-of-the-road” insuranc

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