Reddit Posts
Interview of James A. Mai and Ben Hockett from Cornwall Capital
MBH CORPORATION ANNOUNCES NEW BOARD MEMBERS IAN ELSEY, KEVIN HANBURY, PETER LAWRENCE & SIMON MARTIN
HEALTH EMERGENCY EXECUTIVE ORDER AND AN AWAITED OPPORTUNITY FOR EVOFEM's PHEXXI THE ONLY NON-HORMONAL PREVENTIVE CONTRACEPTION DRUG IN THE ACA LIST-
Revolutionary, Hormone-free, 2-in-1 STD Prevention and Birth Control Gel With Top-line Results Expected In The Second Half of 2022.
EVFM bioscience has an opportunity to reach $5
$EVFM ready to take off - ACA soon and sales will raise fast☄️🖐💎🖐
Evofem just hit the bottom, read for analysis and why. As CEO said today change will happen suddenly. $EVFM debt problem solved. Expenses solved, revenue growth on track
$EVFM back to the essence: Women's health!
Why I'm strongly positive about Evofem $EVFM
You might not know this company , but you will use their product soon 😍 ✅ it's about $EVFM
You might not know this company , but you will use their product soon 😍 ✅
You might not know this company , but you will use their product soon 😍 ✅
Evofem catalysts before end of the year . 590% upside potential, big short squeeze is possible .
Evofem short squeeze possiblity and catalysts before end of the year . 590% upside potential
$CANO Big Way to Play Boomers Aging, Execs Recently Made Huge Open Market Purchases
Getting ahead in Hearing aid investing before law is enacted. Good idea?
EVFM. ACA pH modulator category looks approved for 2H:21. University segment should begin contributing for 21/22 plan year. Long calls, write 7.50 / 1.00 put vertical at least 30 days out.
Evofem the only non-hormonal birth control "pill"
Evofem the only non-hormonal birth control "pill"
SCOTUS just upheld the ACA a third time, which means BUY CLOV.
EVFM is the Sex Stock Play of the Summer
EVFM is the Sex Stock Play of the Summer
ACA.PA new operation - come explain to me
RETAIL INVESTORS + APES are Changing the Market Forever: CLOV SQueeze + What comes after the SQueeze? -----------> ANSWER: Huge Value Creation for CLOV
RETAIL INVESTORS + APES are Changing the Market Forever: CLOV SQueeze + What comes after the SQueeze? -----------> ANSWER: Huge Value Creation for CLOV
My Watchlist For 5/13/2021 - Can $SPY Like.... Fucking Stop?? Good God...
PART 2 – Understanding Washington: The Timeline and Calendar of Cannabis Legislation (2021)
How will changes in the ACA by the Democratic Congress and office affect healthcare stocks?
IntelGenx, Psilocybin, is a double from here, says Leede Jones Gable
Mentions
Kinda of, because health insurance and hospitals jacked up prices because they knew most people on ACA were getting health insurance for free or near to free. In my opinion, Trump will continue to fight to lower health costs. Just like he is getting drug makers to reduce prices, he is going to force health insurance and hospitals to reduce their prices. Trump will actually fix the problem not just throw money which clearly never worked since ACA was passed. I think AI will drive healthcare costs down a lot over the next 10 years so I have no interest in health insurance companies.
this extension is for so short a time that in a couple of weeks the dems will be forgiven and the focus will be on the ACA again, where the dems will have a chance for a do-over. no harm, no foul with Sunday's vote.
There’s ACA subsidies in the table tho
Your words, not mine. >No, the insurers are not losing money, and there is nothing to suggest that they will in the future. You also said: >The only place in the insurance market that does have an adverse selection problem is the ACA marketplace, but the insurers have dealt with that problem rationally. There, we see high premiums, high deductibles, and limited options. So maybe you can see why I thought you implied that the insurance sector willmake up the lost profit and adjust by increasing revenues and limiting which care is covered. Also, fwiw, I do believe the insurance industry as a whole is going to stagnate and produce poor returns for the next 3-5 years. I genuinely believe that, and I'm not moving the goal posts. I believe that you've read my thesis above several times about, and I don't need to repeat my reasoning for why I believe that an adverse selection death spiral in 16% of their market and reduced government funding for an additional 20% of their market will cause headwinds to the entire industry. So no, me providing an explanation for why the industry will provide poor returns is not moving the goalposts. The entire industry sector, health insurance providers as a whole, will suffer as a secular trend for the next 3-5 years or longer.
Yeah, there is a big gap between ACA plans and employer plans. The two shouldn't be conflated.
What? Bro we got that promise to vote to kill ACA one month later than now.
UNH would benefit from taking ACA subsidies and giving everyone option to pick their healthcare as they are not involved with ACA like others
While the exact number of people in the ACA varies from state to state, the total % on the health exchanges is 16% of Americans, last I checked. That number will dramatically drop when the ACA changes go into effect. Additionally, in the BBB there were changes made to Medicare plans that trigger the 2010 law "pas as you go" act. While I don't fully know all the details of this paygo law, this does mandate cuts to Medicare funding as the US deficit increases. I think the number of Americans on medicare and Medicare advantage plans is about 19% give or take. So you tell me, would a dramatic drop in the number of insured Americans in the ACA 16% of the population, and a decrease in Medicare funding for another 19% of the populations health insurance plans..... Would this affect the bottom line? Seems to me like health insurance companies are going to be losing money for the next couple years.
Adding to this, some red state politicians have already been undermining the healthcare system under ACA just to score political points. Long story short, ACA reduced Medicaid's payments to doctors/hospitals but expanded who was eligible for Medicaid to make up for it. The lower payments would be made up by the hospitals having far fewer patients with no insurance who wouldn't pay their bills that they were still legally obligated to treat. But a bunch of red state politicians decided that they'd rather score political points at the expense of their own voters, by refusing to expand Medicaid (even though 90% of it was paid for by the Federal government, and 100% of it was paid for by the Federal government for the first 10 or so years). This met that the hospitals in those states got a cut in medicaid payments, but still had a bunch of uninsured people they still had to give free care to who would have otherwise been covered. As a result of this a lot of hospitals in red states went out of business, and it's not uncommon for people in rural areas in red states to have to drive over 100 miles to get to the nearest hospital. While this doesn't effect health insurance stocks, it definitely effects other stocks in the healthcare space.
No, that's not correct. Most people are in employer or government sponsored group plans that don't have an adverse selection problem. The only place in the insurance market that does have an adverse selection problem is the ACA marketplace, but the insurers have dealt with that problem rationally. There, we see high premiums, high deductibles, and limited options. The result is ugly for those looking for individual coverage, but it is not a major problem for the insurers.
#House Minority Leader Jeffries Says I Will Oppose Stopgap Bill Without ACA Subsidies LMAOOOOO
ACA free govt money is in jeopardy.
Those are the winners long term. Not much ACA market plan users, mainly people forced to use their workplaces health plans. UNH raised 2026 plan prices 30-40%. Expected to recover by 2027.
So he could gaurantee voting on ACA subsidies at a future date obviously
Exactly what ACA did was prop Up health system in America and what Trump did is completely destroyed it. It did this my insuraing millions of people and covering for premiums. It also added people who where perfectly healthy to the pool so Insurance companies basically kept those payments.
It helped them with the elections last week but yea most Democrats wanted the ACA extensions as the main priority
Less than nothing. And hilariously 🥭 can just veto any ACA subsidies they managed to get (they will get none).
I'm not touching anything retail for a while if you believe in the K-curve recovery. The bottom 50% will get hammered once ACA expires.
This is about the stock market and isn't meant to be a political post. The market is looking good, nvidia has their earnings coming up, and there were a lot of nice bumps today. It also seems that no one here really understand anything about the ACA credits to begin with, but you're all whining about that. They're covid era subsidies that don't make sense extending forever and ever.
Are you talking about the covid era ACA subsidies that they have to eventually stop renewing?
It will be done Wednesday. Dems just gifted republicans the death of ACA.
ACA funding isn't impacted. Only Covid related funding.
Insurance sector dipping from ACA. Some like UNH and ELV are less affected. They are decent buys at current prices. CNC and OSCR which have a larger share of market place plan holders are crashing hard (8-16%+ dip). They might be oversold a bit.
I was talking about a different stock. I was looking at MOH/CNC. I understand you went with CI to avoid the ACA news going on with those names.
$CI has low exposure to ACA. They deal more with commercial insurance. Probably not a bad idea to wait though. But my experience is to bet on government bureaucracy to get nothing done with fixing healthcare.
Im waiting a couple of weeks to add to health insruance names. It seems like they dead money/flat until either the ACA vote in December or next earnings reports. That ACA funds a catalyst to either crash more or maybe rally a bit.
Dems had 4 years under Biden to write ACA subsidies into law. They didn't and here we are.
Buy cheap now so when they nuke the ACA vote retardocrats just ceded for and the average cost for healthcare goes up 5000%, stonks boom
Because the moderates caved for the promise of a vote (not a guarantee) on extension of the ACA subsidies
Repubs want to take ACA subsidies and put them directly in your HSA now. That means billions of dollars in retail accounts available to trade. Calls on meme stonks.
“The amount of savings from ACA cuts varies depending on the specific cuts made, but scenarios suggest potential federal savings of around $30 billion” -Google AI
Save 30 Billion on ACA spend 40 Billion on stimmies nobody asked for, that’s government math 👍🏼👍🏼
Repubs want to take ACA subsidies and put them directly in your HSA now. That means billions of dollars in retail accounts available to trade. Calls on meme stonks.
The shutdown was always on the Dems. They knew from the start they had almost no leverage. They could have put ACA subsidies into law under Biden so this wouldn’t happen, but like everything they do nothing productive when in power.
>If ACA isn’t funded in December as promised we are likely to have a repeat of this shutdown. Lol, for what, so federal workers can go without paychecks again for no reason? Everyone knows the dems will cave eventually just like they did this time.
They have to be the opps. You give away your only leverage for concepts of a vote? They literally control the house and Supreme Court why would the answer be anything other than "FUCK NO?" \> no ACA \> SNAP, backpay and veteran's benefits were all going to come back anyway so this is a nothingburger \> no Epstein files \> get shit on in the media for years to come for starving Americans for literally no reason just before Thanksgiving They gotta be Russian double agents because this is feckless regardation of the highest levels
Dude who lies about everything: "yes we DEFINITELY will take a vote on the ACA later in good faith, you can trust us"
Goddamn, I didn't realize how hard 🌈🫏 folded. That December vote on extending the ACA credits would: A.) Require 12 🌈🐘 to jump party lines and vote for them, which isn't fucking happening, and B.) Isn't even legally binding so Thune can just wipe his ass with this later No wonder no one likes these losers. BIG fucking puts on ELV
It’s not a foregone conclusion that the House will pass this revised CR, though probably they will. The democrats did highlight the issues that show that the republicans really aren’t the party of the working class, middle class or the poor. The administration’s nasty fight over snap benefits and the tremendous increase in the ACA premiums brought to us by the BBB. Assuming Thune holds the vote, it will put the Senators on record on that specific ACA premiums brought issue. Likewise, if the House refuses to take it up, obvious to the American people where they stand. This could be good for the midterms. Also, with Thanksgiving just around the corner, the snap cutoff and the travel disruptions could very well turn public opinion against the Democrats. This is not the outcome that the Democrats hoped for but given the intransigence of the Republican Party, it’s probably the most we were ever going to get.
These guys play political games for a living. They have to have considered that the promise for a deal would be a lie. So if that’s the case, then if the GOP does actually throw away the deal then healthcare prices still skyrocket and the right can no longer blame the left for the shut down, and they end up hurting themselves in the process. And if for some reason the right does end up bringing back the ACA subsidies then the left gets what they wanted Seems like that’s the political calculus
-Assume median ACA premium increase of $900/mo. -45 million on ACA plans -assume plans cover average of 3 people -$162B added to personal burden for insurance alone for 2026 This shit is gonna be fucking awesome. So glad I’m both not poor and have employer subsidized health care.
The government is only funded until February. The only thing fully funded is snap benefits. This starts all over again Jan 30 unless ACA subsidies are extended. The only difference is that next time there won’t be starving people hanging in the balance which is a good thing believe it or not.
The government is only funded until February. The only thing fully funded is snap benefits. This starts all over again Jan 30 unless ACA subsidies are extended. The only difference is that next time there won’t be starving people hanging in the balance which is a good thing believe it or not.
Really? Healthcare seems to be on the way to dump town after this latest government shutdown agreement. No more ACA benefits will leave people without health insurance
Not technically. The deal ensures snap benefits till the end of fiscal year 2026 and federal workers fired during the shutdown will get to return to work. It also extends the ACA for a little longer and it will get its own vote.
In the end it was a Republican (McCain) that saved the ACA and Democrats who helped gut it
This is my mindset. I'm at the screw it stage and say let's give the Republicans what they want. It's clear the spineless Democrats won't fight for us. So let the Republicans kill the ACA, Social Security, outlaw gay marriage, etc. If any of this ever really mattered let the people finally get out and vote to stop it. Or they can stay home and shut the hell up about it.
So the democrats folded on ACA tax credits? lol poors are so fucked. wtf did they hold out all this time just to give in?
> If ACA isn’t funded in December as promised 1. there was only a promise for a vote, not a promise to extend the temporary pandemic subsidies 2. this isn't about anything in the ACA, this is about temporary pandemic subsidies from 2021/2022.
The ACA is flawed, sure, but let’s also not forget that we’re now feeling the result of repealing the individual mandate, and that the ACA “failing” was the whole intention. It’s far from ideal in its current form, but at least right now it’s by far the best mechanism we have for ensuring working class/middle income people have healthcare. Our current government is in shambles, there’s no way in hell they’ll be replacing it with something better, so if we don’t want tens of millions of people to lose healthcare access, clinging on to the ACA/subsidies is really the only feasible option we have for the time being.
Premium subsidies were absolutely in the original 2010 bill, not added later. They were central to the law's design from day one. And while the individual mandate was controversial, it wasn't just about forcing taxes. It was meant to prevent the insurance market from collapsing when you require companies to cover preexisting conditions. You need healthy people in the pool to balance the costs, otherwise premiums spiral out of control. That's basic insurance economics, not a corporate giveaway. On the interest group point, yes, industries got some wins, but let's be clear about what the public gained. 40 million people got coverage who didn't have it before, insurers can no longer deny a person for having preexisting conditions or drop someone when they got sick, there were no more lifetime limits that bankrupted families, and young adults could stay on parents' plans until 26. Did insurance companies benefit from more customers? Sure, but they also had to spend 80 to 85 percent of premiums on actual care (not overhead or profit), cover expensive patients they previously rejected, and eliminate their worst practices. Calling it "all for the sake of interest groups" ignores that the biggest beneficiaries were people with chronic conditions who were previously uninsurable and the millions who gained access to care. The ACA wasn't perfect and didn't control costs enough, but characterizing it as purely a corporate handout doesn't match the reality of what it accomplished.
It’s only funded through January and SNAP is funded through 2026. So essentially even if the ACA subsidies aren’t discussed in December we’ll just be right back to the same spot in January the difference is SNAP is now funded. So it’s going to comeback up again one way or another. Whether that’s in a month or two is the question.
So the CORE ACA subsidies (pre 2020) remain in place and the worst estimates are that 4-5 million people may lose their healthcare immediately and they were just demanding extra money? Look, nobody losing their healthcare is a good thing, but inflicting pain on 90+% of the country for 40 days over something that will only immediately impact 1-2% of the country really was not the way to go. Not like I’m a supporter of either side, but really wondering what the point was given that neither side was ultimately going to cave to the other side.
Braindead take, ACA has only caused healthcare prices to go up & continuing to support the system is just empowering insurance companies more.
Perfect summary. The ACA is fundamentally broken and spending trillions of dollars on subsidies just masks the issue and enriches insurance companies.
Not a single Republican in the House or Senate voted for ACA.
Death by gunshot to the head or immolation? I'll go gunshot 100% of the time but that doesn't mean I wouldn't fight like hell for death by snu snu @ 115 surrounded by cheering loved ones. It's just that realistically the ACA is all we have right now. We don't even have "concepts of a plan" and if history tells us anything any concepts coming will be straight evil filled with grift.
They didn’t build it that way, the ACA was architected by a Massachusetts Republican. The ACA was meant as a stopgap toward a more universal system. It was a deal that needed Republican support to pass so Republican’s removed price control protections. Protections we had for the first time with the subsidies.
Nobody is taking anything away. The Covid subsidies were passed to be temporary and end this year. This current bill was to keep funding at current levels. What this really tells us is that the ACA has fundamentally failed, because premiums have skyrocketed and the only way those who need it can afford it is if it is almost completely subsidized. It’s become a giant wealth transfer from taxpayers to giant insurance companies.
Nobody is taking anything away. The Covid subsidies were passed to be temporary and end this year. This current bill was to keep funding at current levels. What this really tells us is that the ACA has fundamentally failed, because premiums have skyrocketed and the only way those who need it can afford it is if it is almost completely subsidized. It’s become a giant wealth transfer from taxpayers to giant insurance companies.
They got exactly what the R’s promised Sept 30. A promise to negotiate on the ACA later. Which will fail. Because now they have concepts of a plan from a truth social comment from der leader.
from what I understand it's very close. Republicans are goin to make some concessions on federal firings and rehire a ton of people, but the ACA subsidies will expire, but instead it will be moved to a tax deduction for the consumer instead. details are sketchy.
So they can plan to give out $2k checks to everyone, all 342 million people? That's going to cost $684B. Doesn't the ACA insurance subsidies only cost about $35 Billion? Or, in other words 5% the cost of the giving checks with the grand pedo's signature on them.
Trump has collected over $120 billion extra dollars in tariffs this year compared to 2024. We have the money for the ACA subsidies. The Republicans *want* people to go without health insurance.
A bunch of suckers. The R's have no intention to vote for ACA subsidies. Booo!
I appreciate your comment but started out saying you prefer the ACA, but finished saying the opposite. Gotta pick a lane
Yeah but now everyone knows they're getting screwed with ACA increases and mid-terms are only a year away.
You can thank Democratic caucus, Sens. Jeanne Shaheen and Maggie Hassan, both Democrats from New Hampshire, and independent Sen. Angus King of Maine.for essentially fucking everyone on the ACA over and making this all for nothing
They got nothing, they are panicking and hoping the R will actually come to the negotiation table in Dec. The deal does not include what had been the main sticking point for Democrats: an extension of enhanced Affordable Care Act tax credits, which are due to expire at the end of December. But the agreement calls for a vote in December on a Democratic-picked bill to extend those subsidies, which more than 20 million Americans use to reduce the cost of their ACA health insurance plans
U.S. health insurance depends on ACA for a good part of their revenue. ACA getting passed was also partly by the will of the health insurance industry. So repealing ACA would just screw over insurance since the government is paying for people that wouldn’t have otherwise had insurance. Don’t know see how insurance can maintain their current level of revenue because you can only squeeze so much when a sudden couple million subscribers drop out
Not the corporate Dems. These are Dems in name only. They will kowtow to their corporate overlords (aka donors) wishes. When their only justification to switching sides is based on the length of the shutdown alone, that's all you need to know. They never planned on holding the line for something that was morally and politically correct. They just swept the recent elections. They have/had all of the leverage and decided to give in. GOP is only going to continue find ways to not extend the ACA subsidies and continue to cut SNAP/WIC benefits even with the government reopened. This was the Dems chance to play hardball.
>"The question was, as the shutdown progresses, is a solution on the ACA becoming any more likely? It appears not," King said. "And I think people are saying we're not going to get what we want, although we still have a chance, because part of the deal is a vote on the ACA subsidies." King said, "in the meantime, a lot of people are being hurt." You're getting a vote to fucking LOSE.
You fully fuck off. You want to starve people and put lives at risk in the air because the the subsidies are expiring. The same subsidies that everyone knew were going to be a issues when Obama rolled obamacare out. Hate to say this, but go do a search, the right was calling these issues with the ACA since its inception.
Pussy ass dems are going to cave - there goes the ACA. Calling Schumer tomorrow to tell him his career is over.
Giving up ACA isn’t ac small win. It’s so clear these fuckers don’t know how to negotiate and lack spine. You know you’re low when you lose to Christian nationalist who think autism is caused by Tylenol and vaccines.
Lacking any real path forward to a single payer system in the near term, I'll pick the ACA but I don't like the idea of giving a for-profit industry known for their shit billing practices money on top of allowing them to charge people. Voting against their interests might as well be a motto at this point. It seems like pain is the only thing people can understand. Unfortunately, I don't have faith that people can understand why that pain exists, otherwise I'd be advocating for people who can't afford it to lose it or otherwise go ahead and spend a grand or more extra a month to keep it. If it could get us closer to a single payer system. We are fighting tooth and nail for a half assed system instead of moving on from it for something better.
I know we like to laugh a lot in this sub and lose money together but I’m a self-employed contractor, with a pre existing condition, who uses the ACA and my health insurance is about to 5x, and that’s if I even qualify. This shit is terrifying.
ACA barely even effects UNH. Green by close tomorrow
Also, the ACA is basically gutted. Hope everyone is budgeting for much higher health care costs
Promise to repeal the entirety of the ACA most likely
It's not ACA funding. It's government subsidies. And what promise? Subsidizing households that make over 300k a year to help them pay for premiums seems.........r tar ded
If ACA isn’t funded in December as promised we are likely to have a repeat of this shutdown. These dems are sometimes noobs who never learn the fight it takes to do lasting good
Fully fuck off. I hope you're on the ACA and your premiums triple.
What’s the new deal? Are there subsidies for ACA now?
I'm no Schumer fan, but from the article: \> Senate Minority Leader Chuck Schumer, D-N.Y., in angry remarks on the Senate floor, said he would not vote for the deal. He blasted Republicans and President [Donald Trump](https://www.cnbc.com/donald-trump/) for refusing to agree to extend their ACA credits, which he said would lead to much higher insurance costs for millions of people in 2026.
Yes, they get ACA subsidies. What did I say that was wrong?
The D’s get back the ACA that they created though? What is the issue here again?
I mean correct me if I’m wrong, I really don’t care - but I’ve been following this and per the CNN and CNBC article: The House hasn’t been in regular session for weeks, Democrats already vowed to vote no, and Johnson can’t afford to lose more than a handful of his own members. The bill reverses Trump-era firings and promises a vote on ACA subsidies — both political suicide for House hardliners. Even CNBC says it: “If passed, the deal would have to be approved by the House before the shutdown would end.” So no, this isn’t some automatic slam dunk once the Senate votes.
Health care should go up since the ACA is dead now. Thanks for caving Dems.
Since 2014 congress doesn’t get a federal employee health plan. They buy their plan off the ACA.
Yes. The subsidies were set to expire in December. The government ran out of money weeks ago and when that happens Congress has to pass a resolution to provide more funding. Democrats in the Senate refused to vote yes on those resolutions until the ACA enhanced subsidies were extended past December. Now, for some reason, after a decisive election victory last week centered around Democratic campaigns running on affordability, they have decided to abandon their demand that the enhanced subsidies be extended. Instead, according to reports, the Senate will hold a vote in the middle of December on whether to extend the enhanced subsidies. This bill will require 60 votes to pass (instead of a simple majority). The middle of December when the open enrollment window closes, meaning people will have to choose health plans without knowing whether or not the enhanced subsidies will be available or not. Odds are that there are not enough Republicans in the Senate that will vote yes on the enhanced subsidies to pass this threshold. Aside from that, the House would also have to pass an ACA enhanced subsidies extension and the Speaker has already said he won't even allow a vote on it. All this is to say, we're all cooked.
I have a well paying job and employer-based insurance. Thanks for the advice though. I also care about millions of people having enough money to participate in the economy and healthcare to continue in the workforce. And I know healthcare becomes less expensive the more people are insured. I also know that millions of americans have relied on the ACA for over a decade, and that many of them will not be able to continue to do that without these subsidies. How are people gonna buy all your weed when their healthcare costs triple? Maybe they’ll spend their >$10 a month saved in taxes?
Sure. Republicans say no extended ACA. Dems say will reopen if extended ACA. But now it looks like dems are going to reopen without continuing extended ACA subsidies.
If you have health insurance you already pay for other peoples healthcare. If you don’t have health insurance, a ton of other people will end up paying for your healthcare. If the subsidies don’t exist anymore, we will all be paying for millions of people healthcare in the emergency room because they can’t go to a doctor for their runny noses. But good for you trying to save yourself an average of $102.94 a year in taxes on the cost of ACA subsidies at the cost of millions of peoples health insurance.
Yup thanks to the ACA. Thankfully that shitshow is gone
They are fucking cowards. It’s to vote for it in December. The ACA is pretty much dead. The other party will ignore the vote. Dems caved and they know it.
So looking into the news on this it looks like they got concepts of a promise to talk about the ACA subsidies... mkay.
The Democrats caved. They supposedly get a vote on ACA credits, that in the article I read isn’t guaranteed. Sad.