How Long Will The Shutdown Last.

Nordberg said:
Currently,?Trumps Big Ugly Bill will double the cost of healthcare for most Americans. Can you guess why Dems think that is wrong?
Can you make sense? The Reds have control of the House ,the Senate and the Executive. Now think abouit it. Who has the power?
In Trump's world, he controls everything and the GOP says yes sir. The House has power over tariffs. Hows that working out?
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Gardner: Bullshit <and Snip>

McCreedy: They, the Dems, have no power to negotiate and will lose any advantage if they pass the CR.

Next year is going to be a health care insurance nightmare, and the Dems are making sure the GOP will be held responsible for it by the voters in 2026.
 
Highlight said:
No Democrat voted for any social program to "sunset."
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Yes, Democrats drafted and passed the two key pieces of legislation that established and extended the enhanced Affordable Care Act (ACA) premium tax credits (also called subsidies), setting their expiration for December 31, 2025.

These were signed into law by President Joe Biden.

The first, the American Rescue Plan Act (ARPA, P.L. 117-2), was enacted in March 2021 as COVID-19 relief. It temporarily expanded eligibility by removing the 400% federal poverty level (FPL) income cap and increased subsidy amounts by lowering required household contributions to a maximum of 8.5% of income. Democrats drafted and passed it via budget reconciliation, with all 50 Senate Democrats voting yes and no Republican support in either chamber.

The second, the Inflation Reduction Act (IRA, P.L. 117-169), was enacted in August 2022. It extended the ARPA enhancements through tax years 2023–2025 (ending December 31, 2025) using reconciliation, again with unanimous Democratic support and no Republican votes.

Both laws were signed by Biden.
 
jimmymccready said:
Gardner: Bullshit <and Snip>

McCreedy: They, the Dems, have no power to negotiate and will lose any advantage if they pass the CR.

Next year is going to be a health care insurance nightmare, and the Dems are making sure the GOP will be held responsible for it by the voters in 2026.
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McThink so?

Obamacare was drafted and passed by Democrats. Not a single Republican voted for it.

Democrats drafted and passed the two key pieces of legislation that established and extended the enhanced Affordable Care Act (ACA) premium tax credits (also called subsidies), setting their expiration for December 31, 2025.

These were signed into law by President Joe Biden.The first, the American Rescue Plan Act (ARPA, P.L. 117-2), was enacted in March 2021 as COVID-19 relief. It temporarily expanded eligibility by removing the 400% federal poverty level (FPL) income cap and increased subsidy amounts by lowering required household contributions to a maximum of 8.5% of income.

Democrats drafted and passed it via budget reconciliation, with all 50 Senate Democrats voting yes and no Republican support in either chamber.

The second, the Inflation Reduction Act (IRA, P.L. 117-169), was enacted in August 2022. It extended the ARPA enhancements through tax years 2023–2025 (ending December 31, 2025) using reconciliation, again with unanimous Democrat support and no Republican votes.

Both laws were signed by Biden.

Why would anyone blame Republicans for the mess that Democrats concocted?
 
The Affordable Care Act (ACA) relies heavily on subsidies to function, particularly the premium tax credits and cost-sharing reductions that make coverage affordable for low- and middle-income individuals. Without these subsidies, the ACA’s structure faces significant challenges:
  1. Premium Affordability: Subsidies lower the cost of premiums for about 90% of ACA marketplace enrollees (based on 2023 data). Without them, premiums would spike for many, likely causing healthier, lower-income individuals to drop coverage, shrinking the risk pool.
  2. Adverse Selection: A smaller, sicker risk pool increases insurer costs, driving up premiums further. This could trigger a "death spiral" where only high-risk individuals remain insured, making the market unsustainable.
  3. Market Stability: Subsidies stabilize the individual market by ensuring broad participation. Without them, insurers might exit markets due to financial losses, reducing competition and consumer choice. Between 2016 and 2018, insurer exits were a real issue when subsidies were uncertain.
  4. Mandate Effectiveness: The ACA’s individual mandate (repealed in 2019) aimed to balance the risk pool. Without subsidies, even a reinstated mandate might not compel enough healthy people to enroll, as cost becomes prohibitive.
  5. Medicaid Expansion: Subsidies indirectly support Medicaid expansion by covering those above the poverty line. Without subsidies, states might face pressure to cut Medicaid, further straining the system.
On the other hand, some argue the ACA could adapt without subsidies through cost-cutting measures like narrower networks or higher deductibles. However, these often shift costs to consumers, reducing affordability and access, which undermines the ACA’s core goals.In short, without continued subsidies, the ACA’s marketplace would likely collapse due to unaffordable premiums, adverse selection, and insurer exits.

Subsidies are the glue holding it together.

The Affordable Care Act (ACA) enhanced premium tax credits (subsidies) were temporary measures introduced during the COVID-19 pandemic to make marketplace coverage more affordable. These enhancements expanded eligibility to households above 400% of the federal poverty level and increased subsidy amounts across income levels. The "two subsidy extensions" refer to the original temporary provision and its subsequent extension, both of which set the current sunset date of December 31, 2025 (effective for tax years 2021–2025).
 
Nordberg said:
As bad as healthcare is in America, nobody with power is talking about Universal healthcare. That cripples America. It allows us to be looted.
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Healthcare in America is so bad that moving to single payer would have minimal effect. Much more important would be removing Big Pharma power. Then there about a dozen other things that would need to be done to fix it.
 
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