In her home office, Becky Montpetit opened her laptop and navigated to the state's health insurance marketplace known as MNsure.

It’s open enrollment time, and Montpetit and her husband, who are both self-employed, need to sign up for a health insurance plan for the coming year. They have two kids and want a plan that keeps them with their established providers.

"I like to joke with my friends that I have a Ph.D. in MNsure,” said Montpetit. “There have been so many different scenarios throughout our 10 years of using our purchasing our own health insurance. You just have to really compare everything."

But even though Montpetit has become something of a MNsure expert, finding an affordable plan this year is elusive.

That's because she's losing a valuable federal tax credit adopted in 20

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