Lawmakers stand accused of turning Americans’ financial strain into a bargaining tool in a heated shutdown standoff. With healthcare premium hikes and a November 1 open enrollment deadline looming, the national debate has, according to several sources, turned sharply critical—and deeply personal.

The ongoing deadlock surrounding Affordable Care Act tax credits has sparked anxiety among early retirees and states bracing for major disruptions. With a possible government shutdown looming, many fear significant increases in insurance premiums and reduced coverage options if Congress does not act quickly.