We’re now weeks into the federal government shutdown, and counting. While many Americans are feeling the effects, employers and employees could soon see some direct impacts of continued inaction. Here’s what’s worth keeping an eye on.

1. Compliance Could Get Complicated

Applicable Large Employers (ALEs) are required to complete Affordable Care Act (ACA) reporting with the IRS every year. That includes employers with self-insured plans. These reports detail the health coverage you offer your employees. If you file 10 or more returns, you must do it electronically.

Here’s the challenge: if federal agencies aren’t available to provide guidance or process filings, employers could run into problems. That means potential fines for late submissions, errors, or missing information.

2. Brokers Will Be in High Demand

With limited access to government resources, many employers may need to lean more heavily on their brokers. That’s not necessarily a bad thing. Brokers have always been a go-to source for support during uncertain times. Ask your broker whether there are any upcoming ACA reporting webinars or prep sessions. Check in with your broker around December or January for details.

3. Public Health Programs Are Feeling the Strain

The shutdown has already affected key public health programs, including initiatives from the Centers for Disease Control and Prevention (CDC). Some disease monitoring and local health department support have paused, and more disruptions may follow, particularly for care provided to uninsured or underinsured individuals.

All of this highlights why private health insurance remains so important. It’s a safety net for your employees and their families when government programs are in limbo.

4. Uncertainty May Affect the Economy and Health Choices

When the government shuts down, economic uncertainty tends to rise. That can make individuals and businesses more cautious about spending, including delaying health insurance purchases or renewals. But coverage is especially valuable during unpredictable times. If you’re weighing your options, your broker can help you find affordable plans that make sense for your budget.

5. Regulatory Updates May Be Delayed

A shutdown at the Department of Health and Human Services (HHS) means new regulations could be delayed, and existing ones might not move forward as planned. More than 32,000 HHS employees have already been furloughed, and additional furloughs may follow across other departments.

This uncertainty could affect how brokers and insurers plan for 2026. The best move? Stay flexible and rely on trusted partners for updates as things evolve.