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Open enrollment for health insurance sold through the Affordable Care Act marketplace begins Nov. 1 and runs through Jan. 15, 2026.

Many people will see their out-of-pocket premiums increase dramatically due to the scheduled expiration of enhanced federal tax credits, which were first passed in 2021 in response to the COVID-19 pandemic

The controversy over letting those enhanced credits expire is at the center of the ongoing federal budget stalemate in Congress, which has led to the current partial shutdown of the federal government.

Ann Gillespie, director of the Illinois Department of Insurance, says as many as 30% of the estimated 466,000 Illinoisans who are covered under ACA plans could be forced to drop their coverage due to the expected increase in costs.

This su

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