What a Federal Government Shutdown Could Mean for You
As Congress debates federal funding, a government shutdown looms that could suspend many federal services, delay paperwork, and impact millions of Americans.
Essential Services Continue
Even in a shutdown, these functions will remain:
- Social Security, Medicare, and Medicaid payments
- Mail delivery by the U.S. Postal Service
- Veteran benefits and VA loans
- Most IRS operations
- Law enforcement and immigration services
- SNAP and EBT benefits (though these could pause if the shutdown is prolonged)
Services Likely to Be Delayed or Paused
- Small Business Administration loans
- Some FHA, HUD, and USDA mortgage approvals
- Passport applications and renewals
- National Park operations
- Possible air travel disruptions as TSA and air traffic controllers work without pay
Federal Workers at Risk
Hundreds of thousands of federal workers could be furloughed or required to work without pay. This time, the impact could be harsher, with the White House signaling potential layoffs for workers not legally required to remain on duty.
Healthcare and Budget Battles
Key sticking points in negotiations include:
- Reversing Medicaid funding cuts tied to the “One Big Beautiful Bill.”
- Extending Affordable Care Act (ACA) tax credits that have helped millions afford health insurance.
Without the tax credits, families could see healthcare premiums rise significantly in 2026.
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