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More than 300,000 in Massachusetts could pay more for health insurance if federal tax credits expire

More than 300,000 Massachusetts residents could lose some or all of the help they get paying health insurance if federal tax credits expire. 

That's because when the government shutdown ends, the deal will not include anything about health care costs, except for the promise of a vote soon in the Senate. 

Those costs were at the heart of the Democrats' resistance to agreeing to a new bill to fund the federal government. Across the country, people are seeing their premiums surge because federal health care subsidies will expire at the end of the year.

That includes Erika Johnson-Narbonne in Hopkinton, Massachusetts. The mother of two is a small business owner who gets health insurance through the Massachusetts Health Connector, the state's health insurance marketplace. She said her premiums have been going up.

"Just last year into this year, the increase was $1,000 a month," Johnson-Narbonne said.

Now, Johnson-Narbonne is concerned her premiums will grow bigger if Congress cannot figure out a way to extend the Affordable Care Act's enhanced premium tax credits which are set to expire at the end of December.

"For a lot of people, they're getting notices of significant increases that are pretty terrifying and could cause people to lose their homes," she said.

Increases of over $1,000 a month

According to the Massachusetts Health Connector, more than 300,000 Massachusetts residents will lose some or all of the help they get paying health insurance if the credits expire. Some will see premium increases of more than $1,000 a month, according to the Connector.

The lack of a deal to extend the ACA subsidies led many Democrats to hold out on voting to end the government shutdown, until Monday, when eight Democratic senators broke ranks.

"We should not be putting workers at risk, the people of this country at risk, when we have policy disagreements," said Senator Jeanne Shaheen, a Democrat from New Hampshire.

"It's a betrayal, its deeply disappointing, it's infuriating," said Massachusetts Congresswoman Ayanna Pressley, also a Democrat. "I'm going to keep fighting, the people of my district deserve that and demand that of me."

She even called for a change in party leadership. 

"I think that we find ourselves in an unprecedented moment and that unprecedented moment demands new leadership," Pressley added.

Some Republicans argue there's another way to lower health care costs that doesn't involve extending the subsidies.

"These subsidies are going directly to the insurance companies are not right. I agree with President Trump. Maybe we should look at giving this money back to the American people and let them decide what to do with that money," said Rep. Mark Alford, a Republican from Missouri.

What happens if health care tax credits expire?

If these tax credits expire, the Massachusetts Health Connector said individuals making more than $60,000 a year will no longer get federal assistance with their health care. Families making more than $120,000 a year will also no longer get the help.

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