ACA

Low_Plastic363

Pharmacy is about to take a brutal hit from negotiated Medicare pricing and the PBM and insurer worlds are struggling right now too. Feels like forward guidance might be shaky. Still no extension of ACA subsides.

cheesemonk66

The republicans could just agree to extend ACA subsidies. They're literally hanging those Americans out to dry to get what they want.

FarrisAT

The healthcare CPI is a mess. I’ve called it out for years now here. It’s a very lagged index. They assume healthcare insurance pricing is based on end consumer pricing, not actual pricing absent the ACA subsidies. Some bulls would argue Auto insurance is very high today because of data lags, but I don’t know anyone who has their auto insurance falling. Suffice to say, if healthcare premiums double in 2026, Core CPI will also rise.

lucifer_alucard

Adjusted/Diluted/Gaap... earnings are all bs A lot of companies that aren't profitable use these to hide that fact What are their actual earnings? (Money in - Money out) Also, isn't the ACA credit being phased out by BBB going to hurt them if theyre offering plans?

I_am_Nerman

ACA

DazzlingResource561

Infrastructure and ACA replacement coming in two weeks …

flutasma

Rich fucks lobby govt for tax cuts and govt contracts. Rich fucks dont pay enough to fund govt. Govt in 38 trillion debt... govt cut snap, medicare, ACA, talking about cutting SS. Rich fucks keep posting record profit quarters while slashing hundreds of thousands of US jobs and shipping overseas or just automating. Yeah. Must be very nice to legally loot the country and rob the lower class.

captain_ahabb

Yes, it will end. At the end of the day fixing ACA subsidies helps the GOP.

Individual-Motor-167

Much more complicated than that. Molina created a book of premiums almost entirely in ACA and medicare advantage. It's not clear how they will readjust their book. Overall insurers are raising prices around fifteen to twenty percent this year. ACA will see costs double or triple.

definatelynotme321

I think overall the political pressure of mid terms and the fact that 20+ million Americans premiums will sky rocket make the ACA sub extension a sure thing. Healthcare isn’t perfect by any means but it’s helping a bunch of people across party lines.

Me-Regarded

Shutdown must end. Fkrs better fix my ACA insurance... I need that to survive as a small business owner. I don't know what these fools are thinking anymore. You can't just take something that important away in weeks... That's why I know it must end

definatelynotme321

Big for healthcare (which has underperformed) with ACA subsidies. Payroll is coming up and federal workers will be taking sick leave soon. Forced government back open in 2018

NutInBobby

Not quite. The 0% rate applies only to long-term capital gains (held >1 year) and only up to the top of the 0% bracket based on your taxable income. Taxable income includes the gains you realize that year (wages + interest/dividends + realized gains − deductions). So you can sell enough to “fill” the 0% bucket, but the moment your taxable income crosses that threshold, the *extra* gains are taxed at 15% (and 20% at higher levels). Short-term gains are always taxed at your ordinary rates.. there’s no 0% break there. There’s no look-back rule, people do “gain harvesting” in low-income years (sabbatical/early retirement), but selling itself can push you out of 0%, states may tax gains, and it can affect ACA subsidies, Social Security taxation/IRMAA, credits, etc.

tonufan

Current price of UNH doesn't matter much. Their prices are locked in for the year. When 2026 rolls in and they're charging 30% more for healthcare plans the stock price will rebound, along with other healthcare companies. Institutions who invest in health insurance should know this. It's possible the rebound could happen sooner in anticipation of the changes. Just recently my state allowed access to view the new 2026 plans. ACA might effect things a bit but UNH isn't effected as much as some like Oscar which have high exposure to market place health plans.

D74248

Roth money is powerful, but it is not magic. Given equal taxes at the time of saving and at the time of withdraw the results are the same. Is your marginal rate going to be higher than 34% once in retirement? If the answer is "no" then go with Traditional. And it is hard to imagine that the answer would be "yes". One exception might be if you are planning for an early retirement and have not solved the health insurance piece yet. Then using Roth money to keep taxable income low helps with ACA subsidies. But given the environment in that square space between Maryland and Virginia it is probably a fool's errant to try to plan an ACA/healthcare strategy 16 years into the future.

thomas533

>Are you lying about where you live? Nope. I live in West Seattle. It takes me about 30 minutes to ride my bike into work downtown. There are [quite a few houses under $600k](https://i.imgur.com/NPU8pdp.png) if you are interested in moving back. >Unless you're going to trashy pubs in outskirts there is no way "drinks with friends" is 25$ a week in Seattle unless you're having like 2 drinks a week. A pitcher of beer at my local brew pub costs around $25. Everyone buys a pitcher and that makes a pretty fun evening. >Botox? What are you talking about? I didn't know what to think when you said "health treatments". It made me think of Botox. I would have said something like "health care" or "health insurance". >Do you never get sick? I went to the doctor three times last year. That was more than normal. Typically I only go for my annual physical. >you have to either buy super expensive COBRA or other options that are super high out of pocket any time you have minor reasons for doctor checkups. Not true. An unsubsidized plan on the ACA marketplace is $600 per month. If your annual income is $30k (which is my plan), then that cost drops down to $300. And urgent care visits cost $20 out of pocket. >Because that's how much a 1400> Square Foot house costs in CA in desirable locations where you can walk most places and actually feel safe. I doubt that. >Listen, I understand that you can retire on much less if you start cutting down on quality of life and cheap out, I guess my problem is you said you needed $150k to live comfortably but what you are describing is luxury. I'm happy with comfortable. I think it is pretty ridiculous to call that cheaping out >When I plan for retirement I'm talking about early retirement Same.

Sea_Nectarine_8884

Tbh it would probably come down to how much cheaper it was for insurance than the salpingectomy. Especially if they remove the ACA guidelines about covering (at least one of each variety of) female contraception at 100%. As it is they only have to cover one permanent sterilization method and most of the insurance companies restrict it to a tubal (got fucked on that one myself last year to the tune of $2500 despite my Doctor/Boss appealing it). I feel like it's potentially a risky time to be trying to bring a new female sterilization method to market, politically. But at the same time I could see a lot of women being very interested in permanent sterilization for the same amount of inconvenience as an IUD, also due to the political climate lol.

Inevitable_Pride1925

Well yes for early retirement you need more. Over a longer withdrawal period you need to stick closer to a 4% withdrawal plan maybe a bit higher if you have a more aggressive guardrails plan and are ok with a more variable income. Once you add in the need to pay for healthcare and the possibility of losing ACA subsidies then maybe much more. But I also don’t think this article was talking about the amount needed to have a comfortable early retirement. I think the point of the article was how much people in HCOL cities think they need at a normal retirement age which to most means sometime between 62-65.

EvolvingDior

Obama should have just taken equity stakes in health insurance companies instead of creating the ACA.

Cr1msonGh0st

The ACA, obamacare, costs me $600 a month?

SlogTheNog

The risk right now is of volatility / sequence of return risk. No one wants to retire going into a major market drawdown and inflation is very much a real concern. I would not rely on a bare minimum retirement unless I had health care solidly covered (read - NOT based on ACA credits or Medicaid expansion), had housing locked down, had major fixed expenses solved for a while (no, your 200k mile Nissan with a CVT isn't reliable) , and didn't have any delusional requirements (I'll just live in SE Asia, where I've never been, on $8 a day).  Asset allocation also matters. If you've got $2MM in single stocks or NASDAQ, GTFO.  I *really* think that if there isn't a critical health issue driving you, retiring right now is a massive mistake. The job market is getting pounded and assuming that you'll be able to re-enter the market is a really risky bet.

InclinationCompass

I’m in San Diego and living comfy off of $45k but my mortgage is already paid off. I’d need around $55k annually if I retire now due to needing to buy ACA.

Inevitable_Pride1925

If you have low cost housing and social security I’d say you can do fine on 1 million. Thats 40-70k a year depending on withdrawal rate and there are some who say 7% a year and never increasing withdrawal rate is a safe withdrawal rate especially if you’re older. However, if your in your 40’s you don’t qualify for any assistance, don’t qualify for free or low cost healthcare (outside the ACA which may not last), and likely don’t own your home outright. Further your social security benefit will be drastically smaller due to lack of work history so you won’t be getting that later in life. So no I don’t think 1 million is enough for someone who doesn’t have an outside source of income or healthcare. However, someone in their 40’s can coast into their 50’s and just let that 1 million compound on itself and by the time they are 50 they’ll still be relatively young and able to stop working.

xeuropa

Uncertainty with ACA and market

bobdevnul

An emergency fund is personal insurance against going broke, homeless, sick, and starving living under a bridge eating cat food in the freezing rain. It no more an outdated principle than health insurance. Short and long term disability insurance is a good idea too if your employer offers it for cheap - mine was and I had to use short term once. How much you should and can have depends on your circumstances, starting with do you have money to put in an EF. Giving up daily $7 coffees and some bar drinks, and other extravagances could help get there over time. Something to be aware of is that as you get older your likelihood of getting new employment tends to decrease. I got laid off at 60 and never found another job that wasn't a big decrease in pay or otherwise undesirable. I needed about an 18 month EF to get to Social Security age. Private (ACA) health insurance was a big killer at $1,300 a month vs $400 when employed. Using your EF while finding a new job is what it is for. Yes, no longer having it is a risk and it is time to build it up again to reduce the risk once you have income again. Would not using your EF and losing your home make more sense.

AntoniaFauci

Quick reminder, the Trump shutdown could end in one hour if the GOP would just agree to stop the ACA premiums from doubling. That’s it. One simple choice.

Rare-ish_Birb

Earnings this week, higher medical cost ratios across the board, ACA sunset, Stupidity....pick one.

Beetlejuice_hero

The ACA massively lowered the uninsured rate among black Americans. [Data here](https://www.cbsnews.com/news/affordable-care-act-obamacare-reduced-racial-and-ethnic-disparities-healthcare/). It's unsurprising you don't know this. Unclear whether you're capable of learning, but happy to educate you!

Steve539

Still waiting for 100 deals in 100 days...lol...and the Republican replacement for the ACA (concept of a plan)...man, 2 weeks really is an eternity...lol

Happy-n-Healthy

This is inaccurate. It don't work that way. ACA Obamacare premiums for 2026 will be released Nov 1.

Puzzled-Rest1554

The ACA wasn't intended to be final health care plan. It was supposed to continue to be built upon by congress to fix its issues but Republicans fought the whole time preventing any progress with it.

semisolidwhale

With Medicaid/ACA cuts there's going to be more young folks dying as well

trophypants

A ton of hospitals are going to be closing now that ACA subsidies are discontinued, and even more people are going to forgo insurance and therefore less health services. The bubble of concentrated wealth built nearly entirely on speculation is about to burst

Buggg-

Pretty narrow thinking. It will be near impossible to bring back anything close to what ACA did with all the lobbying and corporations now knowing how to milk the system for more money. Big pharma, insurance carriers, and medical corporations would rewrite any new legislation to solely benefit them under the guise of national healthcare reform.

Aetch

We tried to help them and even passed ACA for them and told them what they would be voting for. This was entirely preventable and of their own doing. This is counterproductive to reason with someone who keeps choosing to hurt themselves and others. That is what is called being an enabler.

Brokenandburnt

I hope I didn't come across as hostile to you, if I did I apologize!  As a lifelong atheist and a rather varied life behind I really, really don't believe in an inherently good humanity. One human can, and mostly are decent beings. Humanity as a race are asshole monkeys, led much more by hormones and instincts than rational thought.\ That's why we keep electing sociopaths to lead us. Very few sane persons wants the job. I just get so angry when I see how badly you are being treated by your government. I'm from Sweden myself, and since the the middle of the 90's I have started to see right-wing policies start to undermine our society.\ We haven't had anymore problems with freeloaders in Sweden than any other place on earth.\ I'm in early retirement from illness myself. I received care from 4 different departments and I'm on about 12 meds. My cost out of pocket is $60/year. Our healthcare have been steadily defunded over the last 30 years, to the point that it will actually break within 5-10 years. My mother and all 3 of her sisters are in HC, and I've watched it burn them out one by one. Our best standard of living here in Sweden was when our strong social democracy worker first parties where in charge. We still have our strong unions left, one reason why Musk hates Europe. But as time went, people got generational wealth, a shift to right occured. In 2000 we got hit with that dreaded phrase "trickle down economics" and just like everywhere in the world it didn't work here either. And now the political landscape is distorted by the right-wing policies that put Trump in power, every country in Europe has one populist-nationalist party. I can acknowledge how challenging it would be for you to switch to Universal healthcare, the health insurance industry would be cut to the bone. Although I suspect that not many Americans would miss them. The democrats are fighting to keep ACA right now. The Big Beautiful Bill has cut deep into your safety nets. The cuts to medicare/medicaid don't go into effect until after midterms, they know it'll alienate their voter base. I see the US as the tail wagging the dog. Market forces have been steadily promoted to work in favor of corporations instead of citizens. I feel that the entire world is coming to some form of inflection point soon, I had really hoped it would wait until after I've passed.

FuckElonMuskkk

I think the black swan will be the Healthcare industry collapsing due to the ACA expiring. Rural and small town hospitals are gonna close. Healthcare stocks are going to collapse and take the rest of the stonk market with it. Then of course the rest of the bad shit happening: bad loans, AI bubble, crypto bs will just be icing on the cake... icing made out of jet fuel and explosives.

chatrep

Renew the ACA subsidies but call it TrumpCare and shutdown would end immediately.

supraclicious

Except none of the last shutdowns have come with the stipulation that ACA credits are lowered. Raising insurance costs 4 times their current rate. Thats a direct cost increase on millions of Americans. But more importantly if I can't trust the federal government to honor it's contracts with it's employees. Fires them for political gain and says no back pay.  What guarantee do I have they won't do the same thing with Treasury bonds? So if the market isnt safe due to this manipulation, and the trade tensions. If a job with the government isn't safe and back pay isn't being honored.  I see no reason to risk putting my money into treasuries, the government can't be trusted to honor their end of the deal. Gold is the safest tangible asset , speculative or not, I can buy it touch it and see it. I can trust it. Which is more than I can say for Bonds, stocks and the US dollar.  

supraclicious

I mean it's over healthcare. Dems want to keep the expanded ACA credits that dont even amount to 30 billion a year in spending. But it helps a whole lot of people at a time when everything is more expensive. It's a good investment in the economy to keep premiums dependable and at expected rates. Massive changes to household expenses isn't advisable this close to a recession and inflation. Not letting them have this 1 single issue win is so ridiculous at this point.

HomeSweetLab

It's not the "very wealthy" for whom this is a "nothing burger." The subsidies really only matter for those at the very bottom of the socioeconomic spectrum. For anyone firmly in the lower-middle class or above, the subsidies are, in fact, a "nothing burger." Most middle class individuals/families have some form of health insurance offered through their employer. And even if they don't, they won't receive any health insurance tax credits whatsoever if they make >400% of the federal poverty level (above $60K for an individual). Even if you're in the $35-60K salary range, the tax credits are so small that they're effectively inconsequential. It really only makes a big difference to ACA-backed health insurance premiums for those within about 100-200% of the poverty level. This question was asked on r/investing. Not to generalize, but I assume that most of the people who visit this subreddit are firmly in the middle class or above. So it's easy to see how, to most of these people, this fight over health insurance tax credits doesn't personally affect them to any appreciable degree.

teamyg

None of the current wars are ending, but enhanced ACA subsidy is. Your port hasn't doubled yet, but your health insurance premium will soon.

goodsam2

The Senate could change the rules to pass a budget with 50 votes breaking the filibuster. Yes the ACA subsidies were cut in the Republican bill to offset some of the tax cuts. Democrats want to not have millions drop from getting healthcare.

ofesfipf889534

What do you mean intentional? I mean isn’t every shutdown intentional because the two sides don’t agree on the budget? Just controlling senate doesn’t get you an automatic pass. Need 60 votes. Republicans have a small majority at 53 but need 7 approvals from the Democrat side. It appears ongoing stalling is from the extension of ACA subsidies.

outsmartedagain

Won’t last beyond February after folks on ACA get their renewal premiums and wake up. Once millions of people realize what this is really about they’ll suddenly become vocal enough to move the needle

Mouse1701

The most significant shutdowns include the 35-day shutdown of 2018–2019 during the first presidency of Donald Trump, caused by a dispute over expanding barriers on the U.S.–Mexico border; So we haven't reached the 35 day mark with the recent shutdown. We are currently on day 15. there is the 21-day shutdown of 1995–1996 during the Bill Clinton administration, over opposition to major spending cuts; and the 16-day shutdown in 2013 during the Barack Obama administration, caused by a dispute over implementation of the Affordable Care Act (ACA). The other eight shutdowns lasted five or fewer days (save for the one presently occurring. The best positive information about this is that generally after the government shutdown ends the stock market tends to rise. We will see if Trump breaks his previous record of 35 days of a government shutdown. Hopefully something happens before then.

wampum

I think gold is going to increase until the US stops being erratic/capricious with its trade policy, safeguards the independence of the fed, and takes steps to address the deficit. Even if the Supreme Court rules that the tariffs are illegal, which is what I think they’ll do, they’ve already spent the revenue importers paid and more. $40B to Argentina (side note: that’s more than 1 year of the ACA extension to provide cheaper health insurance for around 15M Americans), $75B to create armies of masked secret police, $15B to bail out farmers who are hurt by the Chinese now buying soybeans from Argentina, tax breaks for the wealthy, Likely reimbursing importers for the cost of illegal tariffs all point to one thing—>more debt fueled spending. I don’t trust the institutions to hold while we have a partisan Supreme Court and while the cowards in Congress are asleep at the wheel. TL:DR I like goooooold

kisssmysaas

Like how dems are doubling down on the ACA subsidies? Superiority complexity among dems is something to be studied in the future

findingmike

Are you asking how people will take care of healthcare? Probably they should get everything they can done now before they lose it. If Dems can get ACA subsidies, we're in a better boat than not.

Rarpiz

It not the American people, it’s Congress. The Republicans, who control Congress, are impotent, and just let dear leader drive down the USD value 10%, enact illegal tariffs (Congress has power of purse), give $20B to Argentina (without Congress’s approval, not like the Republicans would say anything anyway), and take away ACA healthcare subsidies for ~20 million Americans, so the 1% can buy more yachts and planes. If you’re not in Donald’s club, then enjoy the crumbs falling from the oligarchs table and hopefully, you time the market correctly. Meanwhile….insider trading for all his buddies!!!

Just_Candle_315

Doesn't have to be. People want affordable healthcare, Mike. So stop this bullshit on ACA subsidies and go back to what you enjoy most, monitoring your son's pornography consumption.

AnywhereSalty7466

OSCR will skyrocket off ACA subs. Gotta trust me on this one.

jrex035

The Republican voter base is disproportionately hurt by Republican cuts to Federal outlays to Healthcare, Education, welfare, WIC/SNAP, USAID (used to buy billions from American farmers), etc and yet, there they are cutting all these programs regardless. Rural healthcare is going to be utterly devastated by the cuts to Medicaid alone, let alone the ACA subsidies expiration. Do you know when the megarich dramatically expanded their wealth the most in the past 20 years? Why, in the aftermath of the GFC when they were able to buy stock, real estate, and other assets for pennies on the dollar. You really think they dont want to do that all over again?

Acceptable-Two5692

Aye, but as long as US government shutdown continues there will be no talks about it. Still weird that the ACA can expire instead of just being a fixed thing. Would make more sense to me, now it can be used by either side as a leverage.

Odd-Syrup2717

Keep an eye on the budget negotiations. The ACA subsidy removal (if repubs win) or $1T extension (if dems win) will directly impact UNH’s customer numbers in the coming years.

fsacb3

Yeah I guess if premiums go up I’ll have to recalculate. With ACA in Virginia I don’t pay very much for healthcare at the moment

reaper527

> as I’ve heard this is going to increase premiums a ton if Trump nixes the current coverage? that framing is backwards. the ACA creates subsidies for people buying their health insurance through an exchange (aka NOT people who are getting their insurance through an employer). in 2021, a **temporary** pandemic program was passed to temporarily increase those subsidies. the expiration date when that program was passed is the end of this year. trump isn't "nixing" anything. this is akin to when the $600 (then $300) unemployment plus ups expired and unemployment went back to normal levels.

dont_downvote_SPECIL

Kalshi now sees U.S. shutdown lasting for 26 days as Trump not looking to talk on ACA subsidies the chances of the shutdown lasting more than 20 days rose to 59%, while the odds of it stretching past 30 days stood at 40%.

tonufan

OSCR up 9+% afterhours. That health insurer mostly has health exchange customers so it's heavily affected by ACA.

CabinetAdditional545

Trump said ACA subsidy deal is within reach

NotGucci

> Trump – Says Deal Could Be Reached On ACA Subsidies Once deal is announced, massive bullish. BTW govt shutdown doesn't really mean much. They'll all get back pay.

Asleep-Strike4978

What healthcare stocks moon if shutdown is averted with a ACA deal?

swampwiz

The problem is that if you're getting an ACA plan with the PTC, you're getting sapped with about a 35% implicit tax (if not more) in loss of PTC & CSR. Oh, and there is, ironically, the 3.8% tax surcharge on investment income.

Kingdamocles59

Well I think the bigger benefit would be from FDA adoption. Since under the ACA Women’s Preventive Services guidelines, private plans must cover recommended contraceptive methods without cost-sharing—but that applies to FDA-approved methods and recognized services. Until FemBloc wins U.S. FDA approval, plans aren’t obligated to cover it as a $0 preventive benefit. If they do though - that shit will 🚀🚀🚀 since at that point carriers have to cover it with no cost-sharing. Bigger issue would be if women choose it and if providers would WANT to offer it.

glostazyx3

Only thing I’ll say is wait a few more weeks until people get their health insurance premium notices for 2026, as well as other 2026 insurance premiums notices, especially home insurance. The increases already announced are staggering, and this is really what the shutdown is about. It’s not about cutting off benefits for illegal immigrants— THATS A BIG LIE. It’s really about preventing pending and outrageous medical insurance premiums for all Americans, especially those on Medicare. The republicans are in the process of reversing and eliminating the ACA, but their radical cuts in the health insurance segment and the exploding number of billion dollar disasters are endangering an entire industry— the insurance industry is imploding, and has been for a couple of years now. Coupled with lower interest rates, the budgets of middle class Americans is suffering a double whammy in real time. Less secure bank interest revenue, and double digit increases for insurance premiums that people have no choice except to pay. Not every middle income American family is living off the dividends of a stock market investment. A $3k increase in yearly insurance premiums coupled with stagnant wages and bank interest rates can easily mean a $5k hit to a YEARLY budget. And then there are the 2027 increases around the corner. It gets into serious money. It all points to the onset of stagflation as people cut back on non-essential expenditures to pay insurance premiums among other inflationary related expenses. Talk about inflation— we haven’t seen anything yet. And it’s inflation centered on insurance premium and food expenditure increases, two expenditure areas people are just forced to pay.

nomnomyumyum109

At this point, health insurance premiums doubling or tripling. The fact they dont want to extend credits past Jan 1, it will cripple the ACA and force people into a no insurance situation that bankrupts them.

I-IV-I64-V-I

I agree. repubs have enough power right now to repeal the ACA without needing to attach it to the budget bill- there's no reason for them to attach it to the budget unless they wanted this.

Historical_Stage2622

ACA decision is only after government shutdown lifts which can take another 15 days. So, possibly in November

ty072599

ACA subsidies about to have OSCR skyrocket and blow past $20

Open_Mortgage_4645

No it's not. Maybe try getting your information from the factual sources. It's strictly about extending the subsidies so they don't expire at the end of the year which would cause costs to go up by 75%-100% for Americans. It has absolutely nothing to do with extending benefits to undocumented immigrants, which is already prohibited by federal law. And BTW, red states will suffer a lot more than blue states if the subsidies expire. The 6 states with the largest ACA enrollment growth are red states with over 200% growth since 2020. That's compared with an average of 36% growth among blue states. But by all means, remain in willful ignorance and continue sabotaging yourselves based on objective lies about brown people.

Wide_Lock_Red

Fight isn't over ACA. Its over expanding eligibility for Medicaid for various migrants.

almondita

Can you read? Obviously not. Literally from the article you linked:  Republicans say the Democrats' proposal would open up subsidized ACA coverage to people who are in the country illegally. That's not true, according to the nonpartisan Congressional Budget Office…People in the country illegally have never been eligible for ACA subsidies and coverage. That would not change under the Democrats' proposal.

MaeMahri

No kidding. And it never did. They cant get ACA insurance, medicaid, or Medicare. You have to have a valid social security number, and verified citizenship. Its the same scapegoat lie they keep repeating. But find me where on the ACA website it says illegals can have it. You wont because it actually says in large letters that they cant. Find me where it says they are now trying to give ACA to illegals because theyve NEVER been able to get it before. You wont find that either. You need to start reading the actual bills put forth as well as the information section of places like the ACA website. They say they will address the ACA package expiring "later" you actually trust they will?! You shouldn't. Hes been wanting the ACA killed since it first went into effect. Hes tried numerous times and failed. All he has to do now is just let it expire and it will be too expensive for people to afford. Do you have ACA coverage? Are you taking part or all of the subsidy to make it cheaper on you? Then you better hope they can get the measure passed to keep it open or you will be paying that full price you saw instead. Thats what the fight is about. They are only saying illegals to keep you angry and to try to blame the other side just to get their way

LurkerFailsLurking

So many things. Here's a few off the top: 1) A president naming a massive federal program after himself is narcissistic and unprecedented. Its yet another example of him seeing himself as King or owner of America. 2) Creating a huge federal program that demands tens of thousands of employees, immense infrastructure, without any congressional action is insane. Can you imagine if Obama used an executive order to create the ACA? 3) There's no oversight, and given the Trump Administration's demonstrated disregard for taxpayers' legal rights to privacy and the 4th Amendment, there's no reason to believe that TrumpRx won't illegally use or share patient information, or even more illegally provide variable care, or - given RFK's disregard for science or medical practice or the law - even more illegally give patients drugs that are not what was ordered on their prescriptions. 4) The Trump Administration's moves to merge corporate and state power is uncannily reminiscent of a well known quote about "Corporatism" by a certain 1930s Italian leader. 5) The level of self-enrichment happening in the executive office right now is beyond unprecedented. It's unconstitutional and illegal.

pds6502

All the while those millions of dollars in health care go more to private health insurance corporations, because ACA is not at all like a true single-payer "medicare for all" system.

Open_Mortgage_4645

This is all because Trump refuses to compromise on the one issue that Democrats are standing on; healthcare for Americans. Trump doesn't give a shit about the ACA because he personally gets nothing from it. He doesn't need it, so he doesn't care. As far as he's concerned, it's no big deal if healthcare costs go up by 75% or 100% because it doesn't effect him, and he needs to keep cutting America's healthcare funding to subsidize the massive tax cuts he's giving to the wealthiest Americans. That's what this is all about. And he's trying to sell a load of bullshit to the American people about how Democrats want more money to go to providing healthcare to illegal immigrants when the fact is that illegal immigrants cannot participate in the ACA marketplace, and cannot recieve and benefits or subsidies related to the ACA. His story is 100% demonstrably false. But he knows his dumbshit base Wil just accept whatever he says as truth, and continue gleefully participating in their own demise.

No-Department1685

Democrats don't want to give Medicare to illegal immigrants.  That's gop lie to manipulate maga voters. "The enhanced tax credits both increased the amount of financial assistance already eligible ACA Marketplace enrollees received as well as made middle-income enrollees with income above 400% of federal poverty guidelines newly eligible for premium tax credits," They want restore that used by American citizens and some legal immigrants who pay taxes.

Confident_Potato_714

I’ll see you here later partner! Also, go shovel some money into Oscar calls. Dirt cheap premiums and once the babies in DC get done slap fighting each other, they’ll reinstate credits for ACA. This one’s free. The next will cost you.

BrotherDirect744

Sorry, I just want to make sure I say this: This shut down is because of Medicare, Medicaid or ACA. People who are in US illegally, cannot have these, never had. Trump and his rich bodies want to cut it, and are making it as though (lies basically) it's about illegal aliens. My friend, please find a better news source and stay away from grifters

Able_Corner_4673

Florida, Mississippi, and Texas: Over 95% of enrollees in these states receive ACA tax credits. West Virginia, Oklahoma, Louisiana, Utah, and Alabama: At least 96% of ACA enrollees in these states qualify for enhanced subsidies. If a Senator is supposed to represent their constituents, it sounds like you have 14 votes right there on the wrong side. Hope that helps.

meltingman4

Yes, she said everyone. That's. Eligible. This means ordinary Americans who get tax credits through ACA subsidies. And Medicare reimbursement to rural hospitals. So, if a few undocumented individuals would get emergency medical services out of the deal, that's a good enough reason to deprive the millions of US citizens that depend on affordable coverage?

PapayaMysterious6393

The double standard is crazy. I was just peaking over there on the Con sub. One of the top comments is like, great that's he going to lower costs! Which, if that is truly what it is, I can't say I'm opposed to it. Then why are they constantly trying to repeal ACA aka Obamacare? hm?

moongoblon

Of course the government will stay open. ACA subsidies will continue. It's hundreds of billions or trillions of free taxpayer money and profit funneled to the private healthcare industry. They wouldn't EVER cut that off. Not in a million years. It is because the industry calls the shots. Not the president, not Congress.

Ok_Lettuce_7939

Whi would be the customer? Will there be a way to obfuscate this like red states that obfuscate ACA instead of using Obamacare?

MAG7C

There's simply very little information on this particular idea. No one really knows how this is going to work in practice. I'm basing my statement on the **99.999% of what this guy does and says every single day.** That said: I think we've yet to see any company actually "build domestic supply chains" during this administration so that is still a pie in the sky concept. Promoting things that don't exist is a well known grift. His HHS secretary is a well known huckster and liar. He's going to have a lot of say in how this thing shakes out. The way he is leveraging tariffs is illegal and more fitting with organized crime syndicates than anything else. At the very least, and this is not a small thing, he is self-branding this program at the outset. He's putting his own name on a thing that legally should not exist. Keeping in mind there is no such thing as "Obamacare". Even that name was given as a form of derision. The ACA program is run by the US government, not one man who is no longer in office.

MoonriseRiver

He was always jealous of Obama and especially that the ACA was referred to as Obamacare. I'm sure the only reason Trump wanted this deal was to try to outdo that.

LurkerFailsLurking

Calling this anything like single payer or Medicare for All is like calling Trump Coin monetary policy. Remember, the name "Obamacare" was a pejorative term used to denigrate the ACA by falsely implying the exact same kind of corruption and own-dealing Trump is doing here. Republicans made up stories about "death panels" and now they're weather ballooning the mass execution of homeless people. They might remove the age requirement but add an ethnicity requirement or loyalty requirement.

jrex035

Friendly reminder that *Republicans* lambasted the ACA by referring to it as Obamacare, that was never its actual name. Trump on the other hand literally named this stupid shit after himself.

Reynor247

Well the early drafts of the ACA had a public option. Joe Lieberman, a Senator, threatened to pull his vote if it was included. He was needed for the 60th vote to break the Senate Filibuster. So it was taken out.

Big_lt

Obamacare it's not the name of it. It's the ACA (Affordable Care Act). Obamacare was coined by GOP/news outlets to try and demonize him/the bill. It also went through congress

pumpkin_spice_enema

You son of a bitch, I'm in. This play is going to print and the DD doesn't fully factor in vibes. The Optum Rx cybersecurity outage was catastrophic for pharmacies. Their PBM wing is on an apology tour "increasing payments to pharmacies" right now, presumably trying to mend fences for their colossal fuckup straining businesses and people to the breaking point before contracts come up for renewal. That client retention groveling will drag profits over the next few quarters, if it even works on everyone. Lastly, open enrollment is finally nigh and I am predicting a decrease in sign ups. Everyone hates UNH. We saw what happened when the CEO got demoted to compost last December, no one gave a fuck. Everyone was already locked in to plans for the year, but they're about to choose again. Some will have options. Some will think of Luigi and say "fuck UNH I'll pay $10/mo more to go with HealthNet." No one is out here saying "I can't wait to sign up for UNH, they're so well known for not fucking over patients!" Situation gets worse for UNH if the ACA subsidies aren't extended and premium cost spikes. Many reasonably healthy people will simply roll the dice on nothing bad happening this year and not sign up for any coverage, leaving only sicker patients who need more care signed up. Lastly, a wild card - Taco dropped a 100% tariff on imported prescription meds. No fucking clue how that is going to play out. Will it be savings due to meds not given? Or losses due to missed meds causing bigger, more expensive problems?

ThisRefrigerator1933

People seem to be so quiet on the reason Dems are holding out. They want the ACA funded so insurance premiums don’t go up 75% in Jan. People should be screaming about this!!!

TryExciting4508

My comment has nothing to do with ACA. It’s an Immigration argument.

rizzshot

So what does this have to do with stripping insurance subsidies from the ACA? Btw it's the poor red states that will hurt the worst from this, I personally say let em suffer the consequences of their vote. Democratic leaders seem to be more generous than I'm feeling.

Brox42

Because it’s made up bull shit. It’s over ACA subsidies and Medicare cuts. Not that reality means anything to you.

mislysbb

Imagine not understanding what the ACA tax credits actually are

LIT-BRO-DAD

No Medicaid. The ACA tax creds end in December. Share price is super high. Also no investments in AI.

Tocharian

Volume + Chart + ACA subsidies extension

Delicious-Fan-2539

Market dump starts from 10/02. Pray that tech money moves to safe plays and ACA care plan approved by Trump to avoid shutdown.

I_am_Nerman

Dems see a shutdown as positive for them. They think voters will blame Trump. They're making it about ACA. Trump, Thune and other top Republicans have said they flat out refuse to negotiate. They're eyeing it as an opportunity to fire more of the federal workforce. Dems desperately need to show their supporters some type of fight. This is it because it's practically the only tool they have left. The admins calculus is that Dems will get the blame. Both sides see a shutdown as a win. That's not a good starting point. This feels similar to the last shutdown during Trump's first term.