Americans are coming face-to-face with the rising health insurance costs at the center of the longest government shutdown in history — and what it means for their pocketbooks next year.

Since open enrollment started Nov. 1, they’ve been able to buy health plans for 2026 on Healthcare.gov and state-run marketplaces created by the Affordable Care Act. Nearly all are finding they will have to pay more — some, significantly more — for their monthly premiums. Costs are soaring because health insurance is getting pricier and enhanced subsidies Congress approved nearly five years ago are going away.