The government shutdown has ended , but Senate Democrats didn’t get a key provision they were fighting for : extending the Obamacare tax credits that are set to expire at the end of the year.

The credits, also referred to as enhanced subsidies, have kept health care premiums affordable for millions of Americans.

Open enrollment for 2026 coverage is well underway, and people who get their insurance through the Affordable Care Act have seen how much their costs will rise without the subsidies — many could see their monthly premiums double or even triple . Some may delay signing up, hoping lawmakers intervene before year’s end, while others could forgo coverage altogether.

“In some respects, the damage is already done,” said John A. Graves, a professor of health policy and medicin

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