Editorial: Take stock of shutdown’s harsh lessons - Insurance News | InsuranceNewsNet

InsuranceNewsNet — Your Industry. One Source.™

Sign in
  • Subscribe
  • About
  • Advertise
  • Contact
Home Now reading Newswires
Topics
    • Advisor News
    • Annuity Index
    • Annuity News
    • Companies
    • Earnings
    • Fiduciary
    • From the Field: Expert Insights
    • Health/Employee Benefits
    • Insurance & Financial Fraud
    • INN Magazine
    • Insiders Only
    • Life Insurance News
    • Newswires
    • Property and Casualty
    • Regulation News
    • Sponsored Articles
    • Washington Wire
    • Videos
    • ———
    • About
    • Meet our Editorial Staff
    • Advertise
    • Contact
    • Newsletters
  • Exclusives
  • NewsWires
  • Magazine
  • Newsletters
Sign in or register to be an INNsider.
  • AdvisorNews
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Exclusives
  • INN Magazine
  • Insurtech
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Video
  • Washington Wire
  • Life Insurance
  • Annuities
  • Advisor
  • Health/Benefits
  • Property & Casualty
  • Insurtech
  • About
  • Advertise
  • Contact
  • Editorial Staff

Get Social

  • Facebook
  • X
  • LinkedIn
Health/Employee Benefits News
Newswires RSS Get our newsletter
Order Prints
November 13, 2025 Newswires
Share
Share
Post
Email

Editorial: Take stock of shutdown’s harsh lessons

Orlando Sentinel and South Florida Sun Sentinel Editorial Boards, Orlando SentinelOrlando Sentinel

The longest government shutdown in U.S. history is ending, but on dispiriting terms.

Having held out to protect affordable health insurance for millions of people, Senate Democrats splintered in response to the Republican leadership’s promise to hold a separate vote on that next month.

A fair compromise would have been to extend the expiring Obamacare subsidies for 60 days, in the same fashion as funding the rest of government. That would have covered the deadline to renew Obamacare marketplace policies.

But Democrats didn’t get that. There’s no guarantee how the December vote will come out in the Senate, or whether the House will honor that part of the deal. Faced with budget-busting loss of subsidies that will send the cost of premiums increasing by an average of 75% and much higher for many, at least 4.2 million Americans are likely to become uninsured in the new year.

Over time, some will die prematurely for lack of preventative care. Those struggling to keep their coverage will be paying a hidden premium because many healthy people are likely to drop their newly costly policies. Insurance economists call this a “death spiral.” It’s a sadly appropriate label.

A righteous cause

For Democrats, the filibuster was a righteous cause. They held the moral high ground, but Republicans had the high hand. Their ace was President Trump, who’s so tone-deaf to the consequences of the shutdown that he held a Gatsby-themed Halloween party at Mar-a-Lago on the eve of food stamps lapsing for 42 million people.

Then he showed his indifference to suffering by threatening financial reprisals against the compassionate states that were trying to provide full food stamp benefits.

It’s fair to ask whether the seven Democratic senators and one independent who crossed the line did so with the tacit approval of minority leader Chuck Schumer of New York. It happened while public opinion still held the Republicans responsible — and rightly so — for Shutdown No. 21. So it’s a bitter loss for the Democrats, and especially for Schumer, days after their off-year election triumphs last Tuesday. Schumer has clearly lost some respect.

None of the eight senators — three of whom voted earlier to end the shutdown — is on the ballot next year. Those who are will share in whatever political benefit comes from reopening the government. They also got provisions to reverse layoffs and give back pay to furloughed workers.

Grounded airlines

The Trump administration’s drastic restrictions on commercial airline flights ramped up public pressure. That could have accounted for the second of the two senators from tourism-dependent Nevada to work with the GOP. It certainly had an impact on the Sunshine State: As of Tuesday evening, the aviation tracking site FlightAware showed more than 1,300 flights in and out of Florida had been cancelled, with 308 of those cancellations representing flights departing from, or arriving at, Orlando International. Add to that more than 1,750 delays (some of which undoubtedly resulted in missed connections) and it’s clear how disruptive this shutdown has been to the local economy.

Even on the best days, with no one out sick, there are too few air traffic controllers to keep skies safe. A perpetual shortage of controllers is one lesson from the shutdown that Congress must address.

Another intolerable fact is that we remain the only industrial nation where one’s entitlement to health care — and to life itself — depends so much on individual wealth or that of the shrinking number of companies that subsidize health insurance.

The Affordable Care Act (Obamacare) is a well-intentioned but imperfect answer to this national disgrace. As health care costs persistently rise and as Congress was unable to come up with anything better, Democrats managed to enact enhanced subsidies in 2021 — but only through 2025.

Too costly to extend

It would cost an estimated $60 billion to extend them for two more years. The ruling Republicans left that out of the budget bill they passed earlier, which required only a 51-vote majority, not the 60-vote threshold of a filibuster. The Democrats could do nothing but filibuster the actual appropriations.

Republicans have not given up on abolishing Obamacare. Instead, they talk about it less and use opportunities like Trump’s “big, beautiful” budget bill to dismember it, piece by piece.

A better solution is at hand. Medicare should be extended to everyone. Limiting it to people over 65 was another compromise between what’s right and what’s possible. A single-payer universal plan should still be the ultimate goal of health reform. If the theme of the next two elections is affordability, there isn’t a more appropriate issue.

Finally, this shutdown should be the last one. Those who prattle abut “running government like a business” would never run a company this way.

No reputable business would survive by ordering its employees to work unpaid. No government should ask such sacrifice of its soldiers and civilian workers, or of citizens who go hungry when the government shuts down.

The Orlando Sentinel Editorial Board includes Executive Editor Roger Simmons, Opinion Editor Krys Fluker and Viewpoints Editor Jay Reddick. The Sun Sentinel Editorial Board consists of Executive Editor Gretchen Day-Bryant, Editorial Page Editor Steve Bousquet, Deputy Editorial Page Editor Dan Sweeney and editorial writers Pat Beall and Martin Dyckman. Send letters to [email protected].

©2025 Orlando Sentinel. Visit orlandosentinel.com. Distributed by Tribune Content Agency, LLC.

Older

Should health insurance cover cannabis?

Newer

Why the Federal Reserve matters

Advisor News

  • Living longer, retiring poorer: Why fragmented systems are failing Americans
  • Women say their advisors respect them, but talk down to them
  • How PEPs compare with traditional 401(k)s
  • Allianz studies why 42% of Americans retire sooner than expected
  • Why advisors should be talking about life settlements
More Advisor News

Annuity News

  • Reframing retirement income for greater certainty
  • Jackson Introduces Dow Jones Industrial Average Index Option, Flexible Premiums, Six-Year Rate Guarantee in Latest Registered Index-Linked Annuity Launch
  • Senior Market Sales® Fortifies Annuity Reach With Acquisition of Retirement Planning Firm Stratton & Company
  • NAIC regulators continue pushing for annuity illustration updates
  • Wink: Flat first-quarter annuity sales fall just short of $100B
More Annuity News

Health/Employee Benefits News

  • Medicare rates will rise for some in State Health Plan
  • CMS: No plans to eliminate Medicare brokers
  • Health insurance costs could jump by up to 18% for 220,000 Connecticut residents
  • Medicare rates will rise for some in State Health Plan
  • Differences between supplements and Advantage plans
More Health/Employee Benefits News

Life Insurance News

  • KBRA Releases Research – Private Credit: Much Ado About Nothing – Perspectives on Columbia Business School Paper About Private Ratings
  • VUL sales skyrocket in Q1, signaling major market shift
  • KBRA Releases Research – Private Credit: A More Balanced Review of the NAIC PLR Review Process for Insurance Balance Sheets
  • Jackson Introduces Dow Jones Industrial Average Index Option, Flexible Premiums, Six-Year Rate Guarantee in Latest Registered Index-Linked Annuity Launch
  • State locates $107M in missing insurance funds
More Life Insurance News

- Presented By -

NEWS INSIDE

  • Companies
  • Earnings
  • Economic News
  • INN Magazine
  • Insurtech News
  • Newswires Feed
  • Regulation News
  • Washington Wire
  • Videos

FEATURED OFFERS

Maximize Your FIA Case Results
Learn a repeatable process to review, reposition, and present FIA opportunities with confidence.

Aim higher during Annuity Awareness Month
Raise the bar with our diverse portfolio of Ascend annuities, backed by superior financial strength

You Could Be Losing Up to 20% of Your Commissions
GreenWave helps you find, fix, and prevent commission errors.

True Independence Means Having Choices
Cambridge offers flexibility, stability, proven tools—no private equity strings attached.

Life moves fast. Your BGA should, too.
Stay ahead with Modern Life's AI-powered tech and expert support.

Looking for stronger rates, amplified growth & real results?
Sentinel's Accumulation Protector Plus℠ Annuity is for clients wanting more from retirement planning

Press Releases

  • Senior Market Sales® Fortifies Annuity Reach With Acquisition of Retirement Planning Firm Stratton & Company
  • RFP #T01625
  • Rockwood Programs Appoints Kerry Ladouceur as Vice President, Financial Lines
  • JP Insurance Group Launches Commercial Property & Casualty Division; Appoints Joe Webster as Managing Director
  • Sequent Planning Recognized on USA TODAY’s Best Financial Advisory Firms 2026 List
More Press Releases > Add Your Press Release >

How to Write For InsuranceNewsNet

Find out how you can submit content for publishing on our website.
View Guidelines

Topics

  • Advisor News
  • Annuity Index
  • Annuity News
  • Companies
  • Earnings
  • Fiduciary
  • From the Field: Expert Insights
  • Health/Employee Benefits
  • Insurance & Financial Fraud
  • INN Magazine
  • Insiders Only
  • Life Insurance News
  • Newswires
  • Property and Casualty
  • Regulation News
  • Sponsored Articles
  • Washington Wire
  • Videos
  • ———
  • About
  • Meet our Editorial Staff
  • Advertise
  • Contact
  • Newsletters

Top Sections

  • AdvisorNews
  • Annuity News
  • Health/Employee Benefits News
  • InsuranceNewsNet Magazine
  • Life Insurance News
  • Property and Casualty News
  • Washington Wire

Our Company

  • About
  • Advertise
  • Contact
  • Meet our Editorial Staff
  • Magazine Subscription
  • Write for INN

Sign up for our FREE e-Newsletter!

Get breaking news, exclusive stories, and money- making insights straight into your inbox.

select Newsletter Options
Facebook Linkedin Twitter
© 2026 InsuranceNewsNet.com, Inc. All rights reserved.
  • Terms & Conditions
  • Privacy Policy
  • InsuranceNewsNet Magazine

Sign in with your Insider Pro Account

Not registered? Become an Insider Pro.
Insurance News | InsuranceNewsNet