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News 12 Staff
Oct 1, 2025, 10:42 AM
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Your Medicare, Medicaid or Affordable Care Act coverage won’t vanish during the government shutdown, but changes to some benefits and fewer government workers to help could still disrupt care for millions.
At the heart of the shutdown fight is whether Republican leaders accept a demand from Democrats to extend Obamacare subsidies before they expire at the end of the year and premiums start skyrocketing. Democrats also sought to undo President Donald Trump’s Medicaid cuts, but the GOP has shown no interest.
Fortunately for everyday people, core programs like Medicare and Medicaid will keep running because their funding is built into law. But a popular Medicare benefit — telehealth — has already ended for many, and so-called discretionary programs, such as Community Health Centers (CHCs), may be at risk unless Congress acts soon.
More than 167 million people — roughly half the U.S. population, according to data from the Centers for Medicare & Medicaid Services — are covered by the programs.
Here’s what the shutdown means for health care coverage:
One of the first casualties of the shutdown are telehealth services offered to people on Medicare. A pandemic-era rule that let Medicare patients see doctors from home — not just rural clinics — and expanded which providers were covered expired Tuesday, cutting off access to many homebound seniors. The service will remain expired unless Congress includes funding in a coming spending bill.
That means telehealth coverage will revert to pre-pandemic rules, under which it was largely limited to people living in rural areas, said Alex Cottrill, a senior policy analyst at KFF, a nonpartisan health policy research group. The policy had a few exceptions, which allowed coverage for people on home dialysis or those who experienced strokes.
More than 6.7 million older adults got care through telehealth services last year.
Joseph Furtado, the president of the Arizona Association for Home Care, which advocates for telehealth, said he will continue to see patients for now, with the risk of not getting reimbursed if Congress decides not to extend funding. Other providers may not take that risk and turn patients away, he said.
“Telehealth is not a convenience thing,” he said. “This is Grandma can’t get out of the house. This is Grandma just came home from the hospital and she can’t get out to see her doctor. You don’t want to go to the doctor when you come home, and it’s dangerous sometimes to do that.”
In the near term, Medicare coverage more broadly will continue during the shutdown, meaning patients will be able to see their doctors and other health care providers — albeit most likely in person, Cottrill said.
“Because Medicare is categorized as a mandatory program, its funding doesn’t require annual approval from Congress, and Medicare-covered services will still be available during the shutdown,” he said.
Patients may have longer wait times when they call Medicare, Cottrill said, and providers might experience some delays in payments due to some agency workers’ being furloughed.
Coverage for people enrolled in Medicaid — which is jointly funded by states and the federal government — will also continue throughout the rest of this year and some of next year, according to CMS.
In a statement on its website, CMS said it “will have sufficient funding for Medicaid to fund the first quarter of FY [fiscal year] 2026.”
Art Caplan, the head of the Division of Medical Ethics at NYU Langone Medical Center in New York City, said it’s very likely that the agency will get additional funding by then.
It’s slim chances the shutdown “would last that long,” he said.
Coverage for the Children’s Health Insurance Program — which provides health care coverage to children and pregnant women in families that earn too much money to qualify for Medicaid — will also remain.
“CMS will maintain the staff necessary to make payments to eligible states for the Children’s Health Insurance Program (CHIP),” the agency said.
People will still be able to get coverage through their ACA plans, too.
But there could be consequences, Caplan said, if Congress decides not to extend the ACA enhanced subsidies in the coming bill, the sticking point for Democrats who want to see the subsidies continue.
The enhanced subsidies were enacted in the 2021 American Rescue Plan, which made ACA plans affordable for many middle-class families. The Inflation Reduction Act of 2022 extended the subsidies through 2025. Without the subsidies, out-of-pocket premiums could grow by as much as 114% next year, according to a KFF analysis.
When ACA open enrollment begins Nov. 1, families could face sticker shock, Caplan said. And even if Congress restores the subsidies later in the year, some people may decide not to sign up, believing costs will stay high.
“If they don’t do something in 30 days, people are going to see big jumps in their health insurance,” Caplan said.
There could be a major political risk to Republicans and Trump if they don’t extend them, he added.
“These are not people desperately poor. These are often people who are in the working class, who use the subsidy to get access to health care when it doesn’t come through their job,” he said. “I think they’ve been somewhat supportive of Trump and MAGA, and they will not be happy to see that jump.”
The effects on public health will be “substantial” if the shutdown lasts several weeks, said Lawrence Gostin, director of the O’Neill Institute for National and Global Health Law at Georgetown University.
“Many functions of CDC will be affected, such as disease surveillance and funding for states and local health departments,” Gostin said. The Centers for Disease Control and Prevention provides support for tracking respiratory diseases, like Covid and the flu, and provides grants to states, including for chronic disease prevention and vaccine programs.
Funding for federal qualified health centers has already expired with the shutdown. But the clinics are unlikely to be affected, at least for the time being, according to the National Association of Community Health Centers.
Those centers “should not experience an immediate disruption in funding,” Amy Simmons, an NACHC spokeswoman, wrote in an email. Simmons said the group has been in contact with the Health Resources and Services Administration, where officials said there is enough money set aside “to maintain CHC operations and staffing while government services are paused.”
The number of people seeking care at community health centers has reached its highest in decades, Simmons said, at up to 52 million.
Emergency services such as those provided by the Federal Emergency Management Agency may be reduced or delayed, Gostin said, as well as funds for ongoing and new biomedical research.
“The longer the shutdown goes on, the greater the risks to public health,” he said. “The shutdown has lifesaving impacts on America’s most vulnerable citizens.”
Berkeley Lovelace Jr. is a health and medical reporter for NBC News. He covers the Food and Drug Administration, with a special focus on Covid vaccines, prescription drug pricing and health care. He previously covered the biotech and pharmaceutical industry with CNBC.
© 2025 NBCUniversal Media, LLC

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The cryptocurrency market soared to extremes  FXStreet
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Cosmos has been one of the most important projects in blockchain’s evolution, branding itself the “Internet of Blockchains.” Through its Inter-Blockchain Communication protocol (IBC), Cosmos enabled networks to communicate and transfer value seamlessly, solving one of the sector’s most pressing challenges: fragmentation. Its architecture attracted developers seeking cross-chain integration and made ATOM a recognizable name in discussions about interoperability.
But Cosmos investors have long faced a recurring challenge: while the technology excels, ATOM’s market performance has often lagged. Despite leading in interoperability, its token has not captured the same upside as more speculative ecosystems. That dynamic is why attention within the Cosmos community is now shifting to XRP Tundra, a project that combines dual-token architecture with staking and presale clarity.
XRP Tundra is in Phase 4 of its presale, offering participants a chance to secure both of its tokens in a single purchase. TUNDRA-S, built on Solana, drives yield and utility across the ecosystem, while TUNDRA-X, issued on the XRP Ledger, provides governance and manages reserves. Together, they represent a dual structure that pairs throughput with decision-making.

During this phase, TUNDRA-S is priced at $0.068, and each purchase includes a 16% bonus in tokens. Buyers also receive free TUNDRA-X, referenced at $0.034. At launch, TUNDRA-S is set at $2.50 and TUNDRA-X at $1.25. For Cosmos investors used to strong design but uncertain token growth, this defined presale-to-launch pricing represents a notable change.
One of the central weaknesses of new token launches is early volatility. XRP Tundra addresses this with Meteora’s DAMM V2 liquidity pools, which employ dynamic fees to stabilize price discovery. Fees start high and gradually taper, discouraging bots and speculative dumping. Liquidity positions are tracked as NFTs, allowing flexible management, while permanent lock options ensure long-term tradability.
This approach mirrors Cosmos’ commitment to structural solutions for systemic problems. Just as IBC solved interoperability, DAMM V2 addresses liquidity fragility, reinforcing XRP Tundra’s positioning as a project engineered for sustainability rather than short-term speculation.
Cosmos staking has been a cornerstone of its proof-of-stake design, rewarding validators and delegators with yields tied to network security. While effective, rewards have fluctuated and remain subject to inflationary pressures. XRP Tundra introduces a different model through Cryo Vaults, where holders can lock tokens for defined periods and earn up to 30 percent APY.

To extend flexibility, Frost Keys — NFT-based tools — enhance rewards or shorten lock durations. Staking is not yet live, but presale buyers gain guaranteed early access. For ATOM holders familiar with variable staking rewards, Tundra offers a structure designed to deliver predictable yield anchored in liquidity and vault mechanics.
Investor protections have become central to presale credibility. XRP Tundra’s contracts and tokenomics have been audited by Cyberscope, Solidproof, and Freshcoins. Team verification has been confirmed by Vital Block KYC, ensuring accountability from project leaders.
The presale is also gaining visibility in independent coverage. A Crypto Sister video examined XRP Tundra’s design, highlighting the blend of Solana speed, XRPL governance, and staking utility as a unique combination in the current market.
Cosmos showed the sector that interoperability is possible. XRP Tundra builds on that legacy but extends it into wealth creation, offering dual tokens, staking yields, and liquidity protection within a transparent presale structure. Where Cosmos prioritized connectivity, Tundra merges connectivity with direct investor upside.
For Cosmos investors who have long valued design but craved stronger market performance, XRP Tundra presents an opportunity to participate in an ecosystem where technical innovation and defined financial incentives work together.

 
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1. S&P 500 futures rise as investors look past government shutdown: Live updates  CNBC
2. As the US government hits pause, Trump’s economic chaos only accelerates  CNN
3. Stock Market Today: Shutdown Enters Second Day; S&P 500 Futures Inch Up — Live Updates  The Wall Street Journal
4. Wall Street sets more records, but bond yields drop following discouraging data on the job market  AP News
5. Stock market today: Dow, S&P 500, Nasdaq rise as US shutdown begins, rate cut bets jump after ADP surprise  Yahoo Finance

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XRP is entering October with whale accumulation, bullish chart compression and looming ETF decisions, setting the stage for what analysts call its most decisive rally of 2025.
XRP (XRP-USD) is entering October with momentum after establishing a solid base near $2.80. Analysts at Alpha Crypto Signal said that “this compression is setting up for a decisive move,” pointing to a breakout pattern that could define the token’s trajectory for the rest of the year.

In the last 24 hours, XRP climbed 5% to $2.98. That rebound is 11% higher than its late-September low at $2.69. Traders are now looking at October as the stage for a bigger move, with technical signals and regulatory catalysts converging at once.
XRP’s record quarterly close landed just above a key support zone between $2.75 and $2.80. According to Cointelegraph, roughly 4.3 billion XRP were acquired in this price range, showcasing its importance.
“XRP is currently trading within a descending triangle pattern as buyers continue to defend the $2.8 support zone,” Alpha Crypto Signal noted. Clearing resistance at $3 could confirm a bullish breakout, setting the stage for moves toward $3.40, $3.66, and potentially $4.20.
The biggest external catalyst comes from the U.S. Securities and Exchange Commission. The agency is set to rule on six spot XRP ETF applications between Oct. 18 and Oct. 25. Grayscale’s filing leads the lineup, with 21Shares, Bitwise, and WisdomTree (WT) also waiting for decisions.
Approval could unlock billions in institutional inflows, echoing what happened when Bitcoin and Ethereum ETFs went live. Even a partial green light would boost sentiment, improve liquidity, and give XRP a stamp of regulatory legitimacy that traders say could drive the next leg higher.
Beyond charts and regulations, whale wallets continue to quietly accumulate. Santiment data shows that large holders have steadily added to their positions over the last two weeks, buying into dips and defending support zones.
This pattern of accumulation often precedes strong upside moves. Analysts note that whales add confidence to technical setups by absorbing supply during corrections, reducing downside risk for smaller traders. Combined with ETF speculation, this buying activity strengthens the argument that October may not just test $3.50, but could also prepare the market for levels closer to $4 and beyond.
The mix of technical compression, ETF rulings, and steady whale support makes October a defining month for XRP. A decisive breakout above $3 would confirm bullish momentum, while ETF approvals could accelerate inflows.
Analysts warn that rejection at $3 could keep XRP consolidating longer. But for now, the weight of on-chain evidence and regulatory anticipation suggests October could deliver the most bullish backdrop XRP has seen all year.
At the time of writing, XRP is sitting at $2.9798.
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Karena Bankert exercises patience while encouraging her family’s swine to exit their trailer at KILE.
With a little added encouragement, a pig exits the trailer.
Michael Baker watches a hog exit his horse trailer turned pig hauler.
Clinton Wilson, 2, of New Freedom, grooms a Yorkshire at KILE.
Karena Bankert exercises patience while encouraging her family’s swine to exit their trailer at KILE.
HARRISBURG, Pa. — How do you unload nine pigs who don’t want to leave the security of their trailer?
Very patiently, two York County swine farmers demonstrated Sept. 26 as they persuaded three Durocs, three Berkshires and three Herefords to take a flying leap and go to their pens at the 68th Keystone International Livestock Exposition.
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With a little added encouragement, a pig exits the trailer.
Michael Baker watches a hog exit his horse trailer turned pig hauler.
Clinton Wilson, 2, of New Freedom, grooms a Yorkshire at KILE.
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The Shoemaker and Smith families, longtime friends, each took one of the supreme champions in the Sept. 27 breeding swine show at the Keystone International Livestock Exposition.
Four Livengood sisters from southern Lancaster County are headed to the Pennsylvania Farm Show, carrying on a livestock showing tradition started by their grandfather.
The Lazarus family from Whitehall, Pennsylvania, has been represented at the Keystone International Livestock Exposition since its inception 67 years ago.
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The most important Farming stories delivered to your inbox each week.
Breaking news, sent straight to your inbox.
Weekly recap of your favorite B section columns, recipes and kids’ content.
Weekly roundup of the latest dairy industry news.
Weekly roundup of news related to the field crops industry.
Stay up to date on Lancaster Farming’s award winning hemp coverage.
Weekly roundup of the latest livestock industry news.
Weekly newsletter about horses and their people.
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Ziplines, DJs and Trump: Singapore’s crypto conference has attendees roaring  Reuters
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Bitcoin Surpasses $119K Amid U.S. Government Shutdown  BlockchainReporter
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Major institutions and exchanges now hold billions in XRP, shifting the token from retail speculation toward a more concentrated and institutional market.
XRP (XRP-USD) is no longer just a speculative token traded on retail platforms. It is increasingly being adopted by major firms, asset managers and exchanges that hold billions in custody. The effect is profound because concentrated ownership shapes liquidity, price sensitivity and the level of institutional access available to investors.

These holdings are split between two categories. Some firms keep XRP as part of strategic or regulated products, while others hold tokens in exchange wallets on behalf of their customers. Both have an impact on how XRP trades and on the health of its market. Here are five of the largest players currently acquiring and holding XRP.
SBI Holdings (SBHGF) in Japan has one of the largest corporate exposures to XRP, with reporting suggesting positions worth around $10 billion. At times, this sum has even exceeded the market value of the company itself.
SBI works closely with Ripple through its joint venture SBI Ripple Asia. It uses XRP in payment trials, custody services and exchange offerings. This makes SBI a focal point for Japanese adoption of XRP and a case study in how traditional finance firms can integrate crypto into their wider business models.
WisdomTree (WT) brought XRP into regulated investment products by launching the XRPW exchange-traded product in late 2024. It trades on Xetra, SIX and Euronext, giving institutional investors easy access to XRP without having to manage private keys.
The product is physically backed, with actual tokens held in custody for investors. By applying regulated fund structures, audits and professional management, WisdomTree has opened the door for large institutions to gain exposure to XRP in a familiar format. Inflows since launch confirm growing demand for this type of access.
South Korean exchange Upbit holds one of the largest XRP balances of any trading venue. On-chain trackers show it controls between five and six billion tokens. These balances reflect customer deposits and are constantly used to provide liquidity for one of XRP’s most active retail markets.
Concentrated holdings at Upbit affect short-term price action when large withdrawals or transfers occur. Analysts watch these flows closely, since changes in reserves often act as a signal of retail demand in Korea, a market that plays an outsized role in XRP’s global trading volumes.
Binance remains one of the largest custodians of XRP. Its linked addresses hold about 1.47 billion tokens, according to rich-list data. These funds mostly belong to customers but are central to the liquidity provided across Binance’s trading pairs.
Because Binance is such a large venue for XRP markets, movements in its wallets are watched in real time by traders. Large inflows or outflows are often interpreted as signs of potential sell pressure or accumulation. Binance’s holdings therefore have a direct influence on short-term sentiment.
Uphold, a U.S. trading platform, also appears near the top of the XRP rich list. Reports show it holds more than 1.5 billion tokens in custody, making it one of the single largest wallets on the XRP Ledger.
The company has clarified that these funds belong to its customers rather than its treasury. Even so, the scale of these balances means that customer activity on Uphold can concentrate market liquidity. This level of custody also creates scrutiny, with Uphold issuing public comments to emphasize transparency and stability.
These five players show how XRP adoption has matured from niche retail speculation to large institutional and custodial positions. Strategic holders such as SBI link XRP directly to business development. Asset managers like WisdomTree bring it into regulated products. Exchanges including Upbit, Binance and Uphold concentrate billions in customer deposits that directly shape liquidity and price action.
Investors should watch inflows into XRP exchange-traded products, changes in exchange reserves and official disclosures from major custodians. These signals reveal real shifts in supply and demand and provide the clearest view of how institutional adoption is evolving.
At the time of writing, XRP is sitting at $2.9798.
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