General consensus seems to be the House will find a solution to avoid it, see very little opinions of the shutdown actually happening.
I don't know who you're listening to, but Ted Cruz wants to keep his Cadillac plan and not the ACA-insurance that the schlubs are forced to use. We're headed for a shutdown.
It's funny you mention Ted Cruz, when around 60% of the American people view it unfavorably. Including many of the unions now, who also want to keep their current plans. Also, you have Congress who voted for an exemption from the law that they wrote so they and their staffers didn't have to stoop down to Obamacare.
Chances of Gov. Default http://finance.yahoo.com/news/chance-u-government-default-less-214051283.html