Sen. Tammy Baldwin (D-Wisconsin) speaks Wednesday about the effort to extend enhanced Affordable Care Act insurance premium tax credits that will expire at the end of 2025. Nancy Peske, left, and Julia Harris-Robinson, center also joined the press conference. (Photo by Erik Gunn/Wisconsin Examiner)

With the loss of enhanced subsidies for the health insurance she has bought on the federal marketplace HealthCare.gov, Nancy Peske’s health plan will cost $1,163.50 a month in 2026.

That’s more than three times what she paid this year — $372 a month, Peske said Wednesday.

But if there’s one thing she wants everyone to know, it’s this: The higher prices for health insurance aren’t just something that she and other people who buy their coverage on the federal marketplace are facing.

Long before the ACA, Peske learned about “the premium death spiral,” she said.

“The more you raise the price, the more people drop out of the pool. This means you have to raise the price, which means more people drop out of the pool. And it goes on and on and on,” Peske said.

“It’s not just my health insurance that’s going to go up. It’s everybody’s — right?” she said. “We’re all in this together.”

Peske was one of two people who have relied on HealthCare.gov, created as part of the Affordable Care Act, who spoke Wednesday at a press conference in Milwaukee with Sen. Tammy Baldwin (D-Wisconsin).

Baldwin called the press conference  to draw attention anew to the skyrocketing cost of health insurance — and to the failure of Congress to address it in the stopgap spending bill that passed the U.S. Senate Monday, the U.S. House Wednesday evening and was signed by President Donald Trump.

“This is a health and wellness issue,” Baldwin said. “This is an affordability and cost-of-living issue, and this is a quality of life and dignity issue. And it touches every single one of us right now.”

A success amid ‘a broken system’

Health care in the U.S. is “a broken system that prioritizes profits over patients,” Baldwin said. Despite that, she said, the 2010 Affordable Care Act was an important advance for expanding health care access.

She said that was improved by enhanced federal subsidies enacted in 2021 to offset the cost of health insurance for people who must buy their own policies on the federal HealthCare.gov marketplace that was created by the ACA — making insurance more affordable and drawing record numbers of people to the marketplace to get health coverage.

The enhanced subsidies expire at the end of 2025, however, and until this week a Republican stopgap spending bill that passed the U.S. House in September stalled in the U.S. Senate as Democrats pushed unsuccessfully to extend the subsidies.  

“That is what is at the center of the government shutdown and debate in Washington, D.C.,” Baldwin said. “We know the impact of taking away these tax breaks. For 275,000 Wisconsinites, their health care [insurance] costs will double, triple or even more. For 30,000 Wisconsinites, they predict the price will be too high, and that those Wisconsinites will go without insurance altogether.”

A handful of Democratic Senators changed their votes Monday to advance the spending bill in return for a promise of a future vote on the subsidies, with the House taking up the revised bill Wednesday. Baldwin didn’t join them.

“I said the entire time that a handshake deal with my Republican colleagues to reopen the government and no real action to lower health care costs was simply not good enough,” said Baldwin of her vote against the bill.

She also forced an amendment to extend the tax credits for a year — a compromise, she said, because she wants them extended permanently, but one she offered “to avoid catastrophe for families across Wisconsin and give folks breathing room while we negotiate longer-term solutions.”

The amendment failed on a party-line vote.

“Every single Republican voted no on my amendment,” Baldwin said. “They chose to send a clear, unmistakable message that they are OK with jacking up health care costs on 22 million Americans.”

Early retirement, then sticker shock

HealthCare.gov user Erica Topps also joined Baldwin’s news conference. Topps took early retirement in April and bought a health insurance policy through the federal marketplace for herself and her college-age daughter that started in June.

At the marketplace open enrollment for 2026 that started Nov. 1, that plan’s premium increased by $1,200 a month and the deductible went from $6,700 per person to $10,600 per person, Topps told reporters She found another plan via the marketplace and is enrolling, but she’s concerned about the future beyond that.

“Part of my plan is to go back to work” so she can get health insurance, Topps told the Wisconsin Examiner, because it will be 10 years before she can qualify for Medicare.

Before taking early retirement, “I did my due diligence,” she said. “I feel like the rug was pulled out from under me.”

Peske is a freelance writer, editor and consultant. She is also a cancer survivor, whose diagnosis two years ago was covered thanks to her HealthCare.gov policy. Going without health insurance is unthinkable, but at the age of 63, she must wait another two years before she can go on Medicare, she said.

Peske told the Wisconsin Examiner that she will scrape together the money to afford her new premium. “I’ll not put a dime into my underfunded retirement account,” she said. She expects to “tighten the belt” on household expenses, “and I will probably cut into my savings.”

Freelancers and small businesses account for 40% of the U.S. economy, Peske told reporters.

“Do you want everyone to go out of business?” she asked. “Should I just do what so many people do and get a much lower paying job at a company? Because I’m desperate for health care. I don’t think that’s the solution. I think you want to keep people like me in business, generating money, adding to the economy, and being able to live, to not die of cancer.”

Seeking inroads with GOP lawmakers

Baldwin said she has been talking with Republicans about finding common ground in increased transparency in the health care system, from insurance companies, pharmacy benefit managers and providers.

In addition, she told the Wisconsin Examiner after the press conference, she continues to have conversations with GOP Senate colleagues who have expressed interest in continuing the subsidies to avert the sharp hike in premiums.

None of them were willing to break ranks and vote for her amendment this week, however.

“Those discussions were happening informally, in quiet, not in the public spotlight,” Baldwin said. “But they were afraid to vote on something that they, probably, some of them want, because Donald Trump said you can’t talk about this before the government reopens.”

Baldwin said that the next step will be for the Democrats to settle on the bill that Republican Senate Majority Leader John Thune has promised they could bring to the upper chamber for a vote.

As much as she favors a permanent extension of the enhanced credits, if the Democrats go that route, “we know it will go down, and it will be on a pretty much a partisan vote,” Baldwin said.

“I want results, so that probably dictates towards supporting something that conceivably does respond to some of the concerns Republicans have raised,” she said. “I’d like to pick the path most reasonably likely to succeed on behalf of the people who sent me to Washington to fight for them.”

The U.S. Capitol on the evening of Tuesday, Sept. 30, 2025, just hours before a federal government shutdown. (Photo by Ashley Murray/States Newsroom)

The longest government shutdown in U.S. history is over and all we got was the near-cancellation of food assistance just in time for Thanksgiving and a looming explosion in health care costs.

None of the problems that led to the shutdown have been resolved. Instead, a handful of Democrats abandoned their fight to force Congress to address the health care crisis in exchange for rolling back some of the damage the Trump administration did during the shutdown itself. Federal workers are getting their jobs back — for now — and flight cancellations will end just in time for the holiday travel season. Otherwise, we’re pretty much back where we started. 

Democrats are fuming and Republicans are gloating over the end of this game of chicken, in which the party that showed it doesn’t care at all about the pain and suffering of its own constituents is the apparent winner. Stay tuned to see how long the glow of victory lasts as members of Congress go home to face the voters. 

During the fruitless shutdown battle, a couple of politicians from Wisconsin who are not facing election anytime soon showed real leadership. Their focus on serving the needs of real people, not political posturing, was a breath of fresh air, and a model of the kind of public service we badly need.

Gov. Tony Evers deserves a lot of credit for acting quickly to pay out food assistance funds to nearly 700,000 Wisconsinites last Friday as soon as a federal judge ordered the Trump administration to release the money, which it had been withholding for a week. Evers acted in the nick of time. The Trump administration appealed the decision and, on the strength of an emergency ruling from the U.S. Supreme Court, demanded that Wisconsin and other states that had paid out the benefits overnight claw them back. Evers issued a terse response: “No.” 

Thanks to his leadership, hundreds of thousands of Wisconsinites, including 270,000 kids, were spared from going hungry because of the Trump administration’s capricious cruelty. With the shutdown over, the battle over food assistance has ended and the USDA has said full nutrition benefits will begin flowing to states again within 24 hours of the shutdown’s end. But as Evers said when he seized the moment and released the funds, “It never should’ve come to this.” The feds had the money to prevent kids from going hungry all along. Trump made a deliberate decision to cut off aid, and then to demand that states pay only partial benefits, on the theory that doing so would punish Democrats for refusing to reopen the government on Trump’s terms. 

Evers deserves a lot of credit for his decisive action to protect Wisconsinites from harm.

Another Wisconsin politician who has been working overtime to stave off disaster for residents is U.S. Sen. Tammy Baldwin. 

Baldwin has spent her entire career working to expand health care access, including writing the provision of the Affordable Care Act that allows children to stay on their parents’ health insurance until they reach the age of 26. She has a reputation for doggedly working across the aisle and, during the shutdown, she never gave up trying to get Senate Republicans to agree to extend ACA tax credits. 

This week, when eight Senate Democrats joined the Republicans on a resolution to reopen the government that didn’t include any language about the coming spike in health care costs, Baldwin forced a Senate vote on an amendment to extend the ACA credits for one more year. Many Senate Republicans had told her they knew the expiration of those credits would drive health care costs through the roof in their states.  

In her floor speech introducing her amendment, Baldwin said: 

“My Republican colleagues are refusing to act to stop health care premiums from doubling for over 20 million Americans. I just can’t stand by without a fight.”

Even as people across the country express shock and dismay, “Donald Trump and congressional Republicans have simply refused to address the biggest increase in American premiums they’ll likely ever experience,” Baldwin said.  

“I’m getting calls daily from Wisconsinites begging me to stay in this fight,” she added. She told her Senate colleagues about a couple from Door County who told her their premiums are going up by over $550 per month because of the failure to extend the ACA tax credits. “Everything is already too expensive. So where are they supposed to find 6,500 extra dollars in their budget?” she asked. 

Another couple from Butternut, Wisconsin, told her their premiums are going from $400 per month to more than $5,000 per month — “that’s $55,000 more a year,” she said. “As they wrote to me, ‘health care tax breaks are not just numbers on paper. They are a lifeline that allows us to sleep at night knowing that we won’t lose everything if one of us gets sick.’” 

Baldwin was back in the state Wednesday where, as Erik Gunn reports, she is holding a series of town hall meetings with people affected by rising health care costs. She is holding out hope that some of her Republican colleagues will come around on the issue. She refused to answer questions about whether she thinks Sen. Chuck Schumer should be ousted from his position as Minority Leader because of the end of the shutdown fight. 

Characteristically, she is keeping her head down and working to build bipartisan support — as she did, successfully, when she persuaded enough Republicans to join her to pass the Respect for Marriage Act protecting same-sex and interracial couples — instead of using it to score political points.

As we move past the shutdown power struggle and into the real fight over people’s lives, we need more of that kind of leadership. 

Senate Majority Leader John Thune, R-S.D., speaks to reporters while walking to his office on Nov. 10, 2025 on Capitol Hill in Washington, D.C. (Photo by Tom Brenner/Getty Images)

WASHINGTON — The U.S. Senate approved a stopgap spending bill Monday that will end the longest government shutdown in American history once the measure becomes law later this week.

The 60-40 vote sends the updated funding package back to the House, where lawmakers in that chamber are expected sometime during the next few days to clear the legislation for President Donald Trump’s signature. 

Shortly before the vote, Trump said he plans to follow the agreements included in the revised measure, including the reinstatement of thousands of federal workers who received layoff notices during the shutdown. 

“I’ll abide by the deal,” Trump said. “The deal is very good.”  

Republicans, he added, will soon begin work on legislation to provide direct payments to Americans to help them afford the rising cost of health insurance, one of the core disagreements between the political parties that led to the shutdown. 

“We want a health care system where we pay the money to the people instead of the insurance companies,” Trump said from the Oval Office. “And I tell you, we are going to be working on that very hard over the next short period of time.”

House members told to head to D.C.

Earlier in the day, House Speaker Mike Johnson urged representatives to begin traveling back to Capitol Hill as soon as possible to ensure they arrive in time to vote on the bill to reopen the government, after the measure arrives from the Senate. 

The Louisiana Republican’s request came as airlines were forced to delay or cancel thousands of flights on the 41st day of the shutdown, a situation that could potentially impact a House vote on the stopgap spending bill if members don’t follow his advice. 

“The problem we have with air travel is that our air traffic controllers are overworked and unpaid. And many of them have called in sick,” Johnson said. “That’s a very stressful job and even more stressful, exponentially, when they’re having trouble providing for their families. And so air travel has been grinding to a halt in many places.”

Johnson then told his colleagues in the House, which hasn’t been in session since mid-September, that lawmakers from both political parties “need to begin right now returning to the Hill.”

Trump threatens air traffic controllers

Trump took a markedly different tone over the challenges air traffic controllers have faced during the shutdown in a social media post that he published several hours before he spoke to reporters about the deal to reopen government. 

“All Air Traffic Controllers must get back to work, NOW!!! Anyone who doesn’t will be substantially ‘docked,’” Trump wrote, without explaining what that would mean for workers who had to take time off since the shutdown began Oct. 1. 

Trump added that he would like to find a way to provide $10,000 bonuses to air traffic controllers who didn’t require any time off during the past six weeks.

“For those that did nothing but complain, and took time off, even though everyone knew they would be paid, IN FULL, shortly into the future, I am NOT HAPPY WITH YOU. You didn’t step up to help the U.S.A. against the FAKE DEMOCRAT ATTACK that was only meant to hurt our Country,” Trump wrote. “You will have a negative mark, at least in my mind, against your record. If you want to leave service in the near future, please do not hesitate to do so, with NO payment or severance of any kind!” 

An end in sight

The Senate-passed package will provide stopgap funding for much of the federal government through January 30, giving lawmakers a couple more months to work out agreement on nine of the dozen full-year spending bills.  

The package holds several other provisions, including the full-year appropriations bills for the Agriculture Department, the Legislative Branch, military construction projects and the Department of Veterans’ Affairs. 

Seven Democrats and one independent broke ranks Sunday on a procedural vote that advanced the package, drawing condemnation from some House members and outside advocacy groups unhappy that no solution was arrived at to counter skyrocketing health insurance premium increases for people in the Affordable Care Act marketplace.

Republicans hold 53 seats in the Senate, where bipartisanship is required for major bills to move forward under the 60-vote legislative filibuster. 

Senate Majority Leader John Thune, R-S.D., said during a floor speech Monday he was “grateful that the end” of the stalemate was in sight. 

“We’re on the 41st day of this shutdown — nutrition benefits are in jeopardy; air travel is in an extremely precarious situation; our staffs and many, many other government workers have been working for nearly six weeks without pay,” Thune said. “I could spend an hour talking about all of the problems we’ve seen, which have snowballed the longer the shutdown has gone on. But all of us, Democrat and Republican, who voted for last night’s bill are well aware of the facts.”

Schumer bid for deal on health care costs fails

Senate Minority Leader Chuck Schumer, D-N.Y., was far less celebratory after his bid to get Republicans to negotiate a deal on health care costs by forcing a shutdown failed. 

“The past few weeks have exposed with shocking clarity how warped Republican priorities truly are. While people’s health care costs have gone up, Republicans have come across as a party preoccupied with ballrooms, Argentina bailouts and private jets,” Schumer said. “Republicans’ breach of trust with the American people is deep and perhaps irreversible.” 

“And now that they have failed to do anything to prevent premiums from going up, the anger that Americans feel against Donald Trump and the Republicans is going to get worse,” Schumer added. “Republicans had their chance to fix this and they blew it. Americans will remember Republican intransigence every time they make a sky-high payment on health insurance.” 

Schumer was insistent throughout the shutdown that Democrats would only vote to advance a funding bill after lawmakers brokered a bipartisan deal to extend tax credits that are set to expire at the end of December for people who purchase their health insurance from the Affordable Care Act marketplace. 

That all changed on Sunday when Democratic Sens. Dick Durbin of Illinois, John Fetterman of Pennsylvania, Maggie Hassan and Jeanne Shaheen of New Hampshire, Tim Kaine of Virginia, and Catherine Cortez Masto and Jacky Rosen of Nevada voted to move the bill toward a final passage vote.

Maine independent Sen. Angus King of Maine, who caucuses with Democrats, also voted to advance the legislation.  

Jeffries still supports Schumer

House Democratic Leader Hakeem Jeffries said during a press conference Monday afternoon that he still believes Schumer is effective and should keep his role in leadership, despite the outcome. 

“Leader Schumer and Senate Democrats over the last seven weeks have waged a valiant fight on behalf of the American people. And I’m not going to explain what a handful of Senate Democrats have decided to do. That’s their explanation to offer to the American people,” Jeffries said. 

“What we’re going to continue to do as House Democrats, partnered with our allies throughout America, is to wage the fight, to stay in the coliseum, to win victories in the arena on behalf of the American people notwithstanding whatever disappointments may arise,” he said. “That’s the reality of life, that’s certainly the reality of this place. But we’re in this fight for all the right reasons.” 

Speaker Johnson said earlier in the day that the “people’s government cannot be held hostage to further anyone’s political agenda. That was never right. And shutting down the government never produces anything.”

Johnson reiterated that GOP lawmakers are “open to finding solutions to reduce the oppressive costs of health care,” though he didn’t outline any plans to do that in the weeks and months ahead. 

People wait in line at a security checkpoint at Charlotte-Douglas International Airport  on Nov. 9, 2025 in Charlotte, North Carolina. The FAA has targeted 40 "high-volume" airports, including Charlotte-Douglas International Airport, for flight cuts amid the government shutdown. (Photo by Grant Baldwin/Getty Images)

This report has been updated.

WASHINGTON — Seven U.S. Senate Democrats and one independent joined Republicans on Sunday night in advancing legislation to reopen the government and temporarily keep it afloat until the end of January, after a record-breaking shutdown that began Oct. 1.

Democratic Sens. Dick Durbin of Illinois, John Fetterman of Pennsylvania, Maggie Hassan and Jeanne Shaheen of New Hampshire, Tim Kaine of Virginia, and Catherine Cortez Masto and Jacky Rosen of Nevada voted with most of the GOP to advance the stopgap measure through a 60-40 procedural vote. 

Sen. Angus King of Maine, an independent who caucuses with Democrats, also voted in support.  

Fetterman, King and Cortez Masto had already voted with Republicans on the previous 14 votes to reopen the government. Until Sunday, Republicans who control the chamber did not have the 60 votes needed to clear the filibuster threshold.

GOP Sen. Rand Paul of Kentucky, who has consistently voted against the temporary funding measure, again cast a “no” vote.

The deal would also unlock full-year funding for a vital food aid program that serves 42 million Americans and bring back federal workers fired by President Donald Trump when the government was closed.

It does not include language addressing skyrocketing premiums for those enrolled in individual health insurance plans in the Affordable Care Act marketplace, a major sticking point for Democrats. Senate Majority Leader John Thune, R-S.D., said late Sunday on the Senate floor that he commits to holding a separate vote on health insurance subsidies no later than the second week of December.

In a press conference following the vote, Rosen said Democrats have “an opportunity also to put Republicans on the record on the ACA.”

“Are they committed to doing this? Are they committed leaders who said, ‘You can come to the table on health care once the government was open’? And now he must follow through. If Republicans want to join us in lowering costs for working families, they have the perfect opportunity to show the American public,” Rosen said.

New text of a temporary stopgap funding deal released Sunday night proposes to keep the government open until Jan. 30. The bill would also reinstate all federal employees who were fired after the shutdown began, restoring their jobs with back pay, and prohibit any further layoffs until the temporary funding expires.

As part of the agreement, three fiscal year 2026 funding bills will ride along with the package, including the appropriations bills for agriculture programs, veterans benefits, military construction and Congress.

Divided Democrats

Several Senate Democrats left a lengthy closed-door meeting earlier Sunday night upset that the deal does not include anything to address rising health care premiums, on which the party has staked the 40-day shutdown. 

Subsidies for those who buy insurance on the Affordable Care Act insurance marketplace expire at the end of this year.

“So far as I’m concerned, health care isn’t included, so I’ll be a no,” said Sen. Richard Blumenthal, D-Conn.

Sens. Chris Van Hollen of Maryland and Wisconsin’s Tammy Baldwin also issued statements following the caucus meeting declaring they would vote no. Majority Leader Chuck Schumer also told reporters on his way out of the meeting that he’s opposed to the deal.

Sen. Andy Kim of New Jersey said on social media he would oppose it. ”I’ve been clear that we need real action to stop the devastating health care cost increases that are hurting millions of families,” he said.

Sen. Tim Kaine, D-Va., issued a statement expressing support for the agreement, highlighting that Senate Republicans have promised a vote on extending the health care subsidies.

“This deal guarantees a vote to extend Affordable Care Act premium tax credits, which Republicans weren’t willing to do. Lawmakers know their constituents expect them to vote for it, and if they don’t, they could very well be replaced at the ballot box by someone who will,” Kaine said.

Government reopening will take time

The Sunday night vote does not mean the government will reopen right away.

The legislation must make its way through Senate procedural steps and then gain approval from the U.S. House, which hasn’t been in session since Sept. 19. House Speaker Mike Johnson, a Louisiana Republican, attended the Washington Commanders football game with Trump Sunday night in Landover, Maryland.

Trump briefly spoke to reporters upon news of the deal after leaving the NFL game, telling them, “It looks like we’re getting very close to the shutdown ending.”

Nearly a million federal workers have missed paychecks during the shutdown, and food benefits for the poorest Americans stopped flowing at the beginning of November. 

Air travel has also become snarled as the shutdown has dragged on, and air traffic controllers are under pressure without pay. The Federal Aviation Administration began cutting flights Friday at 40 major airports across the U.S. The cuts are set to ramp up to a 10% decrease in air traffic.

SNAP funding

The deal includes provisions that Democrats say the Trump administration sought to shrink or cut altogether, including fresh fruit and vegetable subsidies for mothers with children and monthly food boxes for low-income seniors.

The legislation would direct $8.2 billion to the Special Supplemental Nutrition Program for Women, Infants and Children, otherwise known as WIC, a roughly $600 million increase over last year’s program amount.

During the shutdown, the administration used $150 million from a U.S. Department of Agriculture rainy day fund to keep the program going. The bill would replenish the contingency money.

The bill also fully funds the Supplemental Nutrition Assistance Program, or SNAP, and children’s nutrition programs, including subsidized school breakfast and lunch, and the availability of food during summer school breaks.

Democrats on the Senate Committee on Appropriations say it included “key funding for SNAP and other critical nutrition programs as President Trump fights in court during the government shutdown to cut off benefits for 42 million Americans who rely on SNAP to feed their families,” according to a bill summary. 

The USDA directed states to begin releasing the November SNAP benefits onto recipients’ benefits debit cards after a Rhode Island federal district judge and circuit court ordered the Trump administration to do so last week. 

Trump appealed the order to the Supreme Court, which stayed the decision. A department memo Saturday told states that released the full benefits to take back a portion of them.

The bill would also direct money to the SNAP emergency contingency fund.

Hemp ban

Hemp farmers are sounding the alarm about a provision in the bill that they say would “effectively eliminate the legal hemp industry built under the 2018 farm bill,” according to a Sunday statement from the Hemp Industry and Farmers of America.

Lawmakers are “slamming the door on 325,000 American jobs and forcing consumers back to dangerous black markets,” the industry group’s executive director Brian Swensen said. 

Swensen also added: “The hemp industry has been ready and willing to work on responsible regulations – age restrictions, testing requirements, proper labeling — but instead of collaboration, the industry is getting a misguided prohibition through backdoor appropriations deals.” 

House trepidation

Several House Democrats, including a top appropriator, criticized the deal.

House Minority Leader Hakeem Jeffries blamed Republicans for the proposal Sunday night in a statement, saying House and Senate Democrats have “waged a valiant fight” for the last seven weeks.

“It now appears that Senate Republicans will send the House of Representatives a spending bill that fails to extend the Affordable Care Act tax credits. As a result of the Republicans refusal to address the healthcare crisis that they have created, tens of millions of everyday Americans are going to see their costs skyrocket,” Jeffries said.

Rep. Rosa DeLauro, the top House Democratic appropriator, said she did not agree to the release of the veterans and military construction bill as an attachment to the deal.

“Congress must invest in veterans, address the health care crisis that is raising costs on more than 20 million Americans, and prevent President Trump from not spending appropriated dollars in our communities,” DeLauro, D-Conn., said in a statement.

Rep. Angie Craig joined other House Democrats in slamming the Senate negotiations on social media.

“If people believe this is a ‘deal,’ I have a bridge to sell you. I’m not going to put 24 million Americans at risk of losing their health care. I’m a no,” said Craig, of Minnesota.

Gov. Tony Evers, shown here in a press gaggle in March, said Monday that health insurance rates on the ACA market are set to skyrocket in Wisconsin. (Photo by Baylor Spears/Wisconsin Examiner)

Last updated 10/28/2025, 1:51 p.m. 

The cost for health care coverage purchased on HealthCare.gov in Wisconsin will rise for some insurance policies by anywhere from 45% to 800% for 2026, depending on where a person lives, Gov. Tony Evers announced Monday.

The increased rates will be made worse with the end of enhanced federal subsidies, provided in the form of tax credits, that have lowered insurance costs through the marketplace since 2021, Evers and Sen. Tammy Baldwin (D-Wisconsin) said during a virtual press conference Monday morning. The enhanced subsidies expire at the end of December.

“In 2025, 88% of Wisconsinites [who] enrolled in coverage on HealthCare.gov qualify for tax credits, saving an average of $664 a month,” Evers said. “And without these enhanced tax credits, health care premiums for Wisconsinites are going to skyrocket, period. Many Wisconsinites will see their premiums double, and some of them will see staggering increases.”

HealthCare.gov is the federal insurance marketplace, created under the 2010 Affordable Care Act (ACA) to improve health insurance access for people without health coverage from an employer or from government programs.

More than 310,000 Wisconsinites purchased health insurance through the marketplace for 2025, according to the Wisconsin Office of the Commissioner of Insurance (OCI). HealthCare.gov open enrollment for 2026 starts Nov. 1.  

OCI released a list Monday with examples of rate increases for patients of various ages and under selected scenarios based on age, family size and incomes. The examples compared rate increases across eight counties.

Evers said a statewide average increase wasn’t available “because it’s going to impact lots of people in a lot of different ways.”

The comparisons made by OCI all reflected health plans in the Silver category on HealthCare.gov. Silver plans have a “moderate” deductible and require patients to pay 30% of the cost of care (see sidebar, HealthCare.gov insurance plan categories).

In a few scenarios and locations, rate increases will be lower than 10%. Those are exceptions, however. Most scenarios and locations showed premium increases ranging from more than 30% on up. Some increases were well over 100%, and one example showed an increase of more than 800% in one county.

The comparisons reflect the premium cost after any subsidies are applied. 

The ACA included subsidies on the cost of insurance from the beginning for people with incomes up to 400% of the federal poverty guideline.

The enhancements that were put in place in 2021 and expire at the end of December included increases in the subsidies for the original group. They also extended subsidies to people with incomes above 400% of the poverty guideline, to avoid an “eligibility cliff” at those higher incomes. 

In the comparisons, the 2025 premiums include the effect of the enhanced subsidies, while the 2026 premiums reflect the return to the original subsidy formula.

According to OCI’s report 2026 premiums will increase:

• Between 39% in Waukesha County and 85% in Barron County for a 26-year-old with an income of $48,000 (subsidy continues, but reduced).
• Between 16% in Marathon County and 43% in Barron County for a 26-year-old with an income of $65,000 (subsidy ended).
• Between 18% in Brown County and 84% in Barron County for a 40-year-old with an income of $65,000  (subsidy ended).
• Between 132% in Waukesha County and 391% in Barron County for a 60-year-old with an income of $63,383  (subsidy ended).
• Between 221% in Waukesha County and 812% in Barron County for a 60-year-old couple with an income of $85,658  (subsidy ended).
• Between 2% in Waukesha County and 57% in Barron County for a family  of four with a household income of $128,000 (subsidy continues, but reduced).
• Between 102% in both Waukesha and Dane counties and 312% in Barron County for a family of four with a household income of $130,000  (subsidy ended).

In both family examples, the parents are ages 48 and 47 and children ages 8 and 12.

Nationwide, some 22 million Americans will see their premiums double on average, Baldwin said. She cited projections that 4 million Americans “will look at that price tag and decide to drop their insurance altogether because it’s simply too expensive. It’s more than they can afford.”

KFF, a nonpartisan, nonprofit health policy news and analysis organization, reported Oct. 3 that seven out of 10 people nationally who buy health coverage through the federal marketplace said they would not be able to afford insurance without the enhanced subsidies.

Democrats in Congress have named extending the subsidies as one of their conditions for Democratic support of the Republican majority’s legislation to end the current federal shutdown.

In response, GOP leaders in Congress have called on Democratic lawmakers to sign on to their spending bill to restart the government and then negotiate to extend the subsidies.

Baldwin said Democrats won’t accept “a wink and a nod” that the tax credit talks should come after the government reopens. She said she’s heard privately from Republicans in the Senate who agree that Congress should extend the subsidies.

With 78% of Americans, according to one poll, “who believe we need to address this, and many of my Republican colleagues want to do so, then we need to have an agreement to extend the tax credits as we reopen the government,” Baldwin said.

Later Monday in Milwaukee, Evers held a round table with business owners, advocates and lawmakers to discuss the HealthCare.gov rate increases.

“If you’re seeing these jumps in 26-year-olds, across the board, I don’t know how we afford this,” said Dan Jacobs, owner of the Milwaukee restaurant DanDan. Jacobs said about two-thirds of his employees have health insurance, most of them probably purchasing it through the marketplace.

His business subsidized the insurance premiums that full-time employees and managers bought through HealthCare.gov for 2025, he said, but with the premium increases, reported Monday, “we’re not going to be able to afford to do that,” Jacobs told Evers.

Kara Pitt-D’Andrea, who operates a nonprofit child care facility in Milwaukee with about 25 employees, told Evers,  “100% of us are on the ACA or Medicaid.” 

She called health coverage a moral imperative rather than an act of charity. “To say to people, ‘We refuse to come to the table to create a sustainable option for you’ is the equivalent of saying, ‘You are unimportant in the game of business that we are playing,’” Pitt-D’Andrea said.

Milwaukee County Executive David Crowley (Photo by Isiah Holmes/Wisconsin Examiner)

State and local government officials in Wisconsin objected Friday to the Trump administration’s decision to deny additional  disaster assistance to rebuild infrastructure in  Door, Grant, Milwaukee, Ozaukee, Washington and Waukesha counties after the historic floods in August. 

Milwaukee County Executive David Crowley said the decision left him feeling “extremely disappointed.” Crowley spoke from his office at the Milwaukee County Courthouse Friday, saying that the funds would go towards repairing parks, government buildings, and other public infrastructure damaged by the so-called flooding which swept communities two months ago. 

When the Federal Emergency Management Agency (FEMA) initially sent disaster relief after the floods, Crowley said he “commended the Trump administration,” and that “I thought that we were putting politics behind us in making sure that communities can recover.” Crowley said that by Friday over $123 million in financial assistance has been distributed to county residents for home repairs. 

But it’s not just local businesses and homes that were damaged. The rainfall, which fell in a torrential downpour on the weekend of Aug. 9, left Hart Park in Wauwatosa underwater. Downed trees and other debris were strewn along roadways. Cars, swept away by the overnight flooding, were abandoned in the street for days. 

Over 1,800 homes were left damaged or destroyed, with an estimated $34 million in damage to public infrastructure. “The preliminary damage assessments show that the damage that we saw throughout all six counties is more than significant,” said Crowley. “Roads and bridges that our residents rely on sustained substantial damage. Public buildings and facilities were not only washed away, but in some cases had significant mold contamination that will also impact the public health and safety of our residents. Our parks and our trails, they were damaged, which will harm our quality of life in the short term, as well as the long term, and the list goes on.”

Crowley pointed to Hart Park as a prime example of an area with lingering damage additional funds could remedy. As the disaster relief is denied, Milwaukee County is also in the middle of crafting a budget which will not be padded by COVID-era federal funds. County supervisors are currently debating amendments to Crowley’s proposed $1.4 billion budget, which carries cuts to transit services and eviction legal defense programs and increases property taxes by 4.1%.

“We’re already making challenging decisions about funding not only programs and services, but future infrastructure spending, and capital projects that are needed not only now, but in the years ahead. Today’s action by the Trump administration will send us back even further. It will delay progress in our recovery efforts from this natural disaster, and it will place a financial burden solely on local taxpayers who have already had to sacrifice so much as a result of these floods.” 

Gov. Tony Evers issued a statement Friday saying he filed an appeal asking the Trump administration to release more than $26.5 million in public assistance for infrastructure repair  it has denied. “Denying federal assistance doesn’t just delay recovery, it sends a message to our communities that they are on their own, and that the Trump administration doesn’t think over $26 million in damages to public infrastructure is worthy of their help,” Evers said in a press statement. “I couldn’t disagree more. The federal government should not expect our communities to go through this alone, and we are going to fight tooth and nail to ensure they get every possible resource to rebuild and recover. We are hopeful that the Trump administration will reconsider this decision, so we can make sure folks have the resources and support they need.”

The denial comes during a federal government shutdown that has lasted nearly a month. In a letter to Evers, FEMA said that while the flood damage was significant, assessments determined that “the public assistance program is not warranted.” 

The storm and flooding was dubbed a “thousand year storm” and dumped record-breaking amounts of rain essentially overnight. Wisconsin now has 30 days to send an appeal. 

“Turning your back on families facing washed-out roads, damaged schools, and flooded homes because they’re not seen as political allies is unconscionable,” said Kerry Schumann, executive director of Wisconsin Conservation Voters in a statement. “These communities didn’t cause this crisis, but they’re living through it. They deserve leadership that helps them recover and protects them from the next flood, not one that deepens the damage.” 

“By denying federal assistance, the Trump Administration is leaving Wisconsin communities to fend for themselves,” said U.S. Sen. Tammy Baldwin. “No community can pick up these pieces alone, and Wisconsinites need support so they can rebuild and be on the road to recovery. I hope my Republican colleagues will join me in calling on the Trump administration to step up to the plate and be here for Wisconsin communities left in the lurch.

U.S. Rep. Gwen Moore, Democrat of Milwaukee, also expressed  frustration. “Our state was forced to wait nearly two months for the Trump administration’s ill-advised and disappointing decision,” Moore said in a statement. “Communities in Milwaukee, which are still recovering, are counting on federal assistance to help fund critical repairs to public roadways, buildings, vehicles, and equipment that were severely damaged.” Nevertheless, Moore said, “Wisconsinites do not give up.” 

Rep. Kalan Haywood (D-Milwaukee) also issued a statement condemning the denial. Haywood said that the Trump administration “is sending a clear message to the people of Wisconsin – ‘we do not care about you’.” Haywood added that, “these funds are so badly needed to repair infrastructure, businesses, and schools. These are all essential to reverse the trend of President Trump’s faltering economy. Our residents pay millions in federal taxes and they should not face these hardships alone.” 

Haywood added  that Wisconsin’s Supplemental Nutrition Assistance Program (SNAP) “is on the verge of drying up.” while  “communities are left to rebuild major infrastructure on their own, it is disappointing that the White House is choosing a $300 million ballroom ego-project over the well-being of the people of our state. It is my hope that FEMA reconsiders this decision to ensure that Wisconsin residents have a chance to recover and prosper. Wisconsinites deserve better and should demand better.”

Two bills related to disaster relief (AB-580 and AB-581) have been introduced to the Wisconsin Legislature as communities process the news. One bill would require the Department of Military Affairs to create a program to award grants to individuals and businesses severely impacted by disasters related to a state of emergency declared by the governor. Grants of no more than $25,000 could be awarded under the bill to an individual to help repair a residence, and grants of no more than $50,000 would go to businesses. The other bill would also work through the Department of Military Affairs, and would appropriate $10 million in  disaster assistance grants for individuals, and $20 million in grants for businesses in the 2025-26 fiscal year. 

The clock is ticking before Supplemental Nutrition Assistance Program benefits will be delayed for approximately 42 million Americans in November due to the federal government shutdown.

That leaves just nine days until Wisconsin — a key battleground state with two competitive House races in the 2026 midterms — runs out of funding for its food assistance program, Gov. Tony Evers announced Tuesday. Already, November benefits will certainly be delayed, Evers said.

“President Trump and Republicans in Congress must work across the aisle and end this shutdown now so Wisconsinites and Americans across our country have access to basic necessities like food and groceries that they need to survive,” Evers said in a statement.

The governor is one of several Wisconsin Democrats who added SNAP delays to the long list of shutdown impacts they blame on Republicans.

“I want the government to reopen and to lower health care costs and to undo some of the devastating things that were done in Trump’s signature legislation, the ‘Big, Ugly bill,’” Democratic Sen. Tammy Baldwin told NOTUS. “It’s in the Republicans’ hands to do that.”

Republican Sen. Josh Hawley introduced legislation on Tuesday to use unappropriated Treasury funds for payment of SNAP benefits during the shutdown. It is unclear if his bill will gain traction in the Senate.

“We need to start forcing Democrats to make some tough votes during this shutdown,” he said in an X post.

Republican Sen. Ron Johnson declined to comment on SNAP’s funding lapsing.

Nearly 700,000 people rely on FoodShare, Wisconsin’s SNAP program for families and seniors that is entirely funded by federal dollars. Wisconsin’s program already took a hit from Trump’s budget law, which will raise the state’s portion of administrative costs for running FoodShare by at least $43.5 million annually.

Wisconsin is among a slew of states sounding the alarm on SNAP funding, with Texas officials setting Oct. 27 as the last day before benefits will be disrupted. California Gov. Gavin Newsom said his state’s food assistance program may be disrupted if the government does not reopen by Thursday, and Pennsylvania’s Department of Health Services announced that benefits will not be paid starting last week.

Democratic Rep. Mark Pocan, who represents the Madison area, lamented risks to FoodShare in a statement to NOTUS.

“This funding risk could be resolved tomorrow if Republicans would return to Washington to vote with Democrats on a bill to fund the government and protect access to affordable health care for millions of Americans,” he said.

November benefits will be delayed in Wisconsin “even if the shutdown ends tomorrow,” according to the announcement from Evers’ office.

It is not yet certain that delays in benefits will occur, and any disruptions would be a deliberate “policy choice,” said Gina Plata-Nino, the interim director for SNAP at the Food Research & Action Center.

The U.S. Department of Agriculture could use a similar tactic as Trump did when he directed the Defense Department and the Office of Management and Budget on Oct. 15 to issue on-time paychecks to active duty members of the military using leftover appropriated funds, Plata-Nino told NOTUS.

The Trump administration transferred $300 million to the Special Supplemental Nutrition Program for Women, Infants, and Children to prevent benefits disruptions earlier this month. The Department of Agriculture will release more than $3 billion in aid to farmers during the shutdown.

“It is in their hands to issue a letter to the states and say, ‘We have $6 billion in contingency funding. We’re going to go ahead and utilize that, and we’re looking for sources of funding like we did for WIC, but then also how we’ve done to farmers when there’s been issues,” Plata-Nino said.

Plata-Nino said states and Electronic Benefit Transfer processors — companies that process EBT transactions for stores — would need to know they are getting contingency funds by later this week or early next week for SNAP benefits to go out smoothly on Nov. 1.

“Even if on the 30th, the USDA acts late and then finally issues its contingency funds, benefits are still going to be late,” she added.

Rep. Gwen Moore, D-Milwaukee, said in a statement Republicans should “come to the negotiating table” on the shutdown.

“After already cutting FoodShare in their One Beautiful Bill, Republicans’ inaction could again increase hunger and food insecurity,” she said.

When asked about FoodShare delays, Rep. Tom Tiffany, a Republican from northern Wisconsin who is running to replace Evers, pointed to Democrats’ 11 votes against Republicans’ continuing resolution bills.

“Maybe Governor Evers should ask Senator Baldwin why she is blocking the bipartisan budget bill and holding these programs hostage,” Tiffany said in a statement.

Republican Rep. Tony Wied, who represents the Green Bay area, pointed at Baldwin and other Democrats’ votes against the continuing resolution, accusing them of playing “political games.”

“House Republicans voted for a clean continuing resolution to keep the government open and ensure critical programs like FoodShare continue uninterrupted,” Wied said in a statement to NOTUS. “I am calling on Senator Baldwin and the rest of her Democratic colleagues to change course and vote to open the government immediately so Wisconsinites in need do not have to worry about going hungry.”

But Danielle Nierenberg, the president of the nonpartisan advocacy organization Food Tank, said Democrats and Republicans are “both in the wrong” for potential SNAP disruptions.

“Food should never have been politicized in this way. So whether you’re Democrat or a Republican you shouldn’t be punishing poor people for just being poor and denying them the benefits they deserve,” Nierenberg said.

This story was produced and originally published by Wisconsin Watch and NOTUS, a publication from the nonprofit, nonpartisan Allbritton Journalism Institute.

Wisconsin members of Congress point fingers as SNAP benefits run out is a post from Wisconsin Watch, a non-profit investigative news site covering Wisconsin since 2009. Please consider making a contribution to support our journalism.

Rachel LaCasse-Ford, right talks to Sen. Tammy Baldwin about her use of the Affordable Care Act marketplace to buy insurance during a meeting Baldwin held with small business owners and others in Mount Horeb, Wisconsin, on Sept. 25. (Photo by Erik Gunn/Wisconsin Examiner)

Matt Raboin owns Brix Cider, a farm-to-table restaurant, and brews apple cider in the Dane County village of Mount Horeb.

His wife’s full-time job with benefits provides the family with health insurance, but for Raboin, the Affordable Care Act (ACA) has made an important difference for some of his employees.

“We don’t offer insurance ourselves,” Raboin said during a recent round table discussion set up by Sen. Tammy Baldwin (D-Wisconsin). “A lot of small businesses in small towns aren’t in a financial place to do that.”

Like Raboin, some of his employees get their coverage through a spouse or because they also work another full-time job that provides benefits. But over the years, the ACA and the HealthCare.gov marketplace created under the law have been a critical source of health coverage for many of his employees, Raboin said.

Recently he polled a number of them. One memorable response came from a part-time employee who also has a part-time job with a local church. She buys her health insurance on HealthCare.gov. Thanks to an increase enacted in 2021 in tax credit subsidies, she’s been able to afford the premiums, Raboin said she told him.

“So without it, she’s like, ‘I can’t keep working for you. And I don’t think I keep working for my church. I think I have to find a different job,’” Raboin recalled.

The ACA and HealthCare.gov have made it possible for millions more Americans and thousands more Wisconsin residents to obtain health insurance.

But less visibly, the health care marketplace that the ACA created has also helped support many small businesses. If the enhanced tax credit subsidies that lowered the cost of health insurance for millions over the last three years aren’t renewed, small business owners and employees say they could be especially hard hit.

Nearly half of people who get their health insurance through the HealthCare.gov marketplace are self-employed or small business owners, or else work for small businesses, according to KFF, an independent nonprofit that researches and reports on health policy.

To expand access to health care, the ACA created the HealthCare.gov marketplace to make buying health insurance easier for people whose jobs don’t provide coverage and who don’t qualify for government programs such as Medicaid.

To make coverage more affordable, the law provides tax credit subsidies for people with incomes up to 400% of the federal poverty guideline. Those subsidies were increased in 2021 and expanded to people with higher incomes.

The enhanced subsidies will expire at the end of 2025 unless Congress extends them — driving up the cost of health insurance for millions.

The enhanced subsidy “saves more than 230,000 Wisconsinites an average of $500 every single month,” Baldwin said during a Zoom press conference Tuesday.

For Chrysa Ostenso and her late husband, the enhanced subsidies lowered their premiums from nearly $2,000 a month to about $300 a month, Ostenso said.

Ostenso lives in Ladysmith, Wisconsin, where she and her husband operated an optometry clinic for more than three decades, raising four children along the way.

“We always struggled to afford health insurance but of course we had to buy it,” Ostenso said in an interview. “As a family of four kids with a small business, you can’t go without health insurance.”

The family’s high deductible plans required them to pay $6,000 a year out of pocket before insurance would cover their health care. By 2020, when the children were grown and the health plan just covered Ostenso and her husband, they were paying $1,979 a month, she said.

They hadn’t qualified for the original ACA subsidies. When the enhanced subsidies were enacted in 2021, however, Ostenso said their premiums went down to $300 a month, increasing to $500 a month in subsequent years.

“It actually meant freedom to go to the doctor, because we were spending so much money on our premiums [previously] that we actually couldn’t afford to go to the doctor,” she said.

Standoff over extending subsidies

In the weeks leading up to Tuesday night’s federal shutdown, Democrats in Congress demanded that Republicans rescind sweeping changes to Medicaid that were part of the major tax- and spending-cuts megabill that President Donald Trump signed July 4.

They also demanded an extension of the enhanced ACA subsidies.

Baldwin has coauthored legislation that would make the enhanced subsidies permanent. She spent part of the just-concluded congressional recess traveling Wisconsin and meeting with people who expect to see their health costs go up sharply if the increased subsidies end.

During Tuesday’s press conference, Baldwin related a conversation with a  bakery owner who worried about how she and her family will afford health insurance, “but also that increased costs on the [HealthCare.gov] exchange will mean that her employees at her bakery may have to quit to work for big companies that offer insurance.”

During Baldwin’s press conference, Gigi Gastevich, an artist who owns a retail space in Stoughton, said the ACA and the enhanced subsidies had made it possible for her to launch and grow her business.

Gastevich is a 15-year cancer survivor. When starting her business, she qualified for BadgerCare — Wisconsin’s main Medicaid program — which covered the ongoing medical monitoring she requires as a cancer survivor.

In 2025, with her income above the limit for BadgerCare, she found an insurance plan on HealthCare.gov that included her existing health care professionals in its network and had an affordable deductible.

The plan’s premium was $481 a month, Gastevich said, but the enhanced subsidy  brought it down to about $100 a month.

Without the subsidy, she said, she will have to switch plans — possibly losing her long-standing group of providers if they aren’t in the network. She said her choices include taking a high-deductible plan that would put some of the regular care she’s been recommended as a cancer survivor out of reach financially; or closing down her business. 

“[That] would mean not only abandoning my dream of entrepreneurship and being a self-employed artist, but taking away an income source for the dozens of artists and artisans whose American-made work I sell here,” Gastevich said.

It would also forestall her plans to scale up her business to sell her own line of textiles and employ others. “I won’t be able to do that if my health and well-being is tied to being on an employer-based health care plan,” she added.

Uncertain future

During her tour of the state, Baldwin stopped in Mount Horeb on Thursday, Sept. 25, where she spoke with Brix owner Matt Raboin and four other business owners as well as local health care providers.

The round table took place at the Upland Hills Health Mount Horeb clinic. The urgent care clinic is part of a broader system that includes a hospital in Dodgeville and clinics in surrounding communities.

Dr. Mark Thompson, Upland Hills CEO, said system executives expect to see about $400,000 a year in additional uncompensated care based on projections of people leaving the insurance rolls because they don’t think they can afford the new ACA premiums.

Jay Goninen sat in as a board member of the Upland Hills system, but he’s also an employer for whom the ACA has made it possible to provide health benefits.

Goninen owns a business that helps connect the auto repair industry with high schools and technical schools. For the last few years, he’s opted to have employees of the firm purchase health insurance on the ACA.

The company pays a portion of the cost. Goninen likens the arrangement to a common practice of employers who offer a group health plan and split the cost with their employees.

“I do really worry about just the individual person and their ability to afford to live right now, in general,” he told Baldwin. “It is tough.”

In addition to worrying about what will happen to employees who bought coverage at HealthCare.gov if they lose their subsidies, Raboin said he’s also concerned about the broader ripple effect in the community.

“Our clients aren’t rich,” Raboin said. “Not everybody can go out to eat all the time, and if you start taking away that expendable income, that’s less people coming out to eat. So I think it would depress the whole economy.”

Rachel LaCasse-Ford owns a campground with her husband and also heads the Mount Horeb Chamber of Commerce.

“I’ve never really had a job that offers health care,” LaCasse-Ford told Baldwin. “I’ve always worked in small business, so we have always used health care from the ACA.”

The enhanced tax credits “definitely benefited” the couple, she said. “And if those go away, that will make our budgets tighter, and it will make things more challenging for us.”

With every new job, LaCasse-Ford said, she considers its impact on their health coverage and whether she can stay with a nonprofit employer such as the chamber, work for a small business, “or if I need to look for a larger employer that offers benefits.”