More than 20 million Americans are preparing for steeper healthcare costs in the New Year because of expiring subsidies.

More than 20 million Americans are preparing for steeper healthcare costs in the New Year because of expiring subsidies.

The change impacts a cross-section of Americans who don’t get insurance from an employer and don’t qualify for Medicaid or Medicare.

Democrats forced a 43-day government shutdown over the issue. Moderate Republicans called for a solution. Neither worked.