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
Mark my words but the healthcare bubble is going to burst very soon. It’s the only industry hiring right now. Insurance is tied to employment and people are getting laid off in droves. Unemployed people can’t afford ACA coverage. That’s about 7.5 million added to the 26 million earning their state’s minimum wage. And while it may take awhile for the dominoes to fall, they will as the government has made student loan debt a priority. You have 33 million people who can’t afford coverage so insurance companies lose money, then consumers are going to avoid seeing the doctor, postponing elective treatment, etc. Those that do will likely have more serious issues and then not pay. Unless something drastic happens, I give it about five years for the healthcare industry to implode. And I don’t think the US is prepared to see people walking around with preventable diseases. I could be wrong.
He's gonna keep making a show about doing things to reduce inflation while not actually doing anything about inflation. Keep in mind, Trump wants the Fed to resume ZIRP or even implement NIRP, wants them to ramp up QE, is once again blowing up the deficit, has slapped massive tariffs on most goods, has cut the ACA subsidies underpinning the cost of the entire healthcare system, etc. This is all a dog and pony show. His actual policies are deeply inflationary, he doesn't give a rats ass about the issue and literally called the cost of living crisis "a hoax" not even 2 months ago.
The plan is to send the ACA money to people to give to the insurance companies. Instead of sending it directly to the insurance companies.
OSCR something cooking with ACA, u better get in now👀
The House just passed the healthcare subsidies for ACA extension. So my hope we are seeing the tides change and Republicans won't just fall in line anymore.
So no ACA extension it looks like, congrats to the "dems" who folded for nothing. lets see if they have the balls to shut us down again (they won't).
What possible upside do you see? Especially with the ACA tax credits getting dropped???
Just like the ACA individual mandate became a 'tax' that was subsequently set to zero and rendered utterly pointless.
99% of whats happening. Most conservatives say they love the ACA but hate obamacare. They say "the government should spend more to support the poor" but hate "welfare programs" except if the welfare programs are for farmers and then they love it. They are literally walking contradictions who seem to enjoy burying their heads in the sand rather than facing reality as it actually is.
There are rare cases to watch for. ACA cliff is a big one there those gains might cause a big hit. Below that the ACA phaseout is effectively a 8-9% tax. State taxes also come into play if you are planning to move to a lower nor no-tax state. Do you need to keep apparent income low for FAFSA reasons?
>economic socialist and left ===> then proceed to cut off funding to social program, veteran benefit, early child hood food access, destroy renewable investment already underway. You either got infected by rfk brain worm or you have very loose definition on what's consider socialist and left. If you believe taco is economic socialist then you probably believe democratic republic of north korea is a democracy. If all it take is a title caption to mislead you. u/CoughRock That was his party in Congress. He even told them pass ACA subsidies. I hate the guy trust me. But his instinct is populist first. But he has to balance traditional economic conservatives in his base. His economic proposal had greater deficits than Kamala. He pushed for CR no cuts and running WW2 deficit currently. He obviously is not full on Sanders, duh. But he's way, way left of traditional right on fiscal policy. He's against fixing social security and medicare with reform. I'll put down remindme, just watch in a year he will continue advocating for massive budgets with huge spending and ally with socialists on numerous issues.
social security and medicare ACA subsidies
That was GOP. He even told them pass ACA subsidies. I hate the guy trust me. But his instinct is populist first. But he has to balance traditional economic conservatives in his base. His economic proposal had greater deficits than Kamala. He pushed for clean CR no cuts and running WW2 deficit currently. He obviously is not full on Bernie, duh. But he's waayyyy left of traditional GOP on fiscal policy. He's against fixing SS and medicare with reform.
That was his party. He even told them pass ACA subsidies. I hate the guy trust me. But his instinct is populist first. But he has to balance traditional economic conservatives in his base.
I am currently paying college tuition. The COA is the minimum. Their costs such as transportation are usually grossly under what it actually costs. There was an article about it in the NYT in the last 5 years, basically talking about how kids who are on full need elite school scholarships still have expenses that are not covered and they usually have to work and cannot do the things their classmates do like going home for breaks and it is a struggle. It goes without saying they cannot afford Greek life which is a big part of some schools. I know a number of people who pay insurance. I would if it was my last kid in college. Not everyone has a great health plan or a low cost employer option, the college plans are usually excellent although I am not familiar with either school personally. If a kid went to work from high school there is a chance their HI would be covered so this is a legitimate expense. Also, most ACA family plans do not cover anything other than emergences out of starte. I know more than one person that had insurance whether employer or ACA that covered their kids in state and were compelled by their out of state college to buy insurance. Colleges do an annual insurance check where they make sure your kid has insurance that is ACCEPTATBLE TO THEM. It is not your decision although you can appeal I do not know anyone who is living at home and going to college unless they go to a commuter school or they have substantial need that cannot be met by the colleges they applied to or they attend, or have some other unusual situation at home such a parent with a disability who needs them
Why is UNH not doing anything after the ACA benefits were passed??
ACA vote to extend another 3 years
Houses passes ACA subsidies
UNH and UNHG going to sky rocket tomorrow because the house approved ACA extension.
There’s already back door dealing going on, probably ACA subsidies for tariff endorsements
ACA bill passed the house.
US House passes bill that extends ACA (Obamacare) subsidies for 3 years Now heads to the US Senate Shutdown chances over
We can’t subsidize ACA premiums. But we can invade other countries, steal their oil, and charge taxpayers a billion for it. Not rich taxpayers, mind you.
There are a LOT of things happening right now actually: Venezuela drama is pushing Cuba to collapse, US is trying to fuck over russia with more sanctions, greenland drama, defense spending increase from $1T to $1.5T, [ACA extension](https://www.wsj.com/politics/policy/aca-subsidies-deal-republican-senate-d3e73e2c?mod=newsviewer_click&adobe_mc=MCMID%3D43904269652561322512265019543051439235%7CMCORGID%3DCB68E4BA55144CAA0A4C98A5%2540AdobeOrg%7CTS%3D1767823582&_gl=1*1e4dx6x*_gcl_au*NDk1MTI0MTM2LjE3Njc0NzQ2NDg.*_ga*MTMzNTEyMzI5MS4xNjU2OTY0NDUw*_ga_K2H7B9JRSS*czE3Njc4MjI0NDckbzIyNTkkZzEkdDE3Njc4MjM1NzckajU5JGwxJGgxMzI5NTk3MjM1) for 2 yrs, aggressive effort to lower [housing](https://www.politico.com/news/2026/01/07/trump-team-executive-order-affordability-00715643) and [energy](https://www.politico.com/news/2026/01/07/inside-the-white-house-obsession-with-reducing-energy-prices-00714829) costs. tech/ai industry single-handedly responsible for energy, if government hamstrings power consumption for AI, everyone gets fucked.
Tax returns getting released after the audit, we're going to release all the Epstein files, infrastructure week is two weeks away, and releasing the healthcare plan to replace the ACA any second now.... Wait, I think this guy might just be a pathological liar. "I don't care about you, I just want your vote" - Trump - June 9 2024
Health stocks on pump alert today pending ACA subsidies decision in case someone wants to yolo some OTM UNH calls
I don't think republican representatives care much about how the majority of their constituents feel, considering they didn't extend ACA subsidies and aren't check executive power that's pulling funding from their areas. what they DO care about is all that sweet, sweet campaign money they get from housing investment companies. this won't go anywhere, and trump knows that. he gets something he can say shows he cares about people, blame it on Dems, and now we are all talking about trump lowering housing prices instead of being in the Epstein files, illegally invading another country, or that ICE just murdered someone in Minneapolis.
That middle class makes up half the country though. Also my point was ACA plans dont give the best healthcare. What I learned is employer plans have much better coverage especially when it comes to edge cases and there are no comparable plans in the ACA marketplace.
He also said he was going to go after NIL in college sports, break up the 4 major meat packaging companies, not rape children, protect Ukraine, create a replacement for the ACA, and not ender the US into any new wars. He's done the opposite.
Not exactly true to be honest. We can knock Obama for a lot of things but you can still access the ACA in many states if you're unemployed and you can get lots of subsidies if you have no income. Only 10 states have no expanded Medicaid. Granted with crazy dude in office now that may change but for the time being it's still in place. Healthcare access works if you're dirt poor or very rich. It's the middle class that gets super squeezed.
Whether his reasoning makes sense does not matter as long as enough of the population *thinks* it makes sense. Lofty promises that you don't keep help as well of course. No more wars. The "president of peace". Lower cost of living. "I'll bring down food prices on day one". Better healthcare than we have with the ACA. Lowering the nation's deficit. Releasing the Epstein files. I'm sure the actual list is longer... All he did is blow through our tax dollars funding the abduction of people who pay between 25 and a 100 billion dollar in tax each year.
We ended up with a fair amount in post-tax money. It was useful for bridging 56-65 for ACA. Be careful what funds our assets you choose.
I'll take the other side of this wager, sirt of. SCOTUS will find the tariffs as enacted by President Trump are unconstitutional, because they are clearly unconstitutional. But SCOTUS has to recognize that the legislative branch is becoming incapable of performing its constitutional duties and will give the administration(and congress) a way out thou. They must for practical reasons, the Tarrifs are bringing in a serious amount of government revenue that is essentially outside of the budget/tax apparatus, but it is bringing in between 3 and 5 trillion dollars 9ver the next 10 years. The federal government needs this revenue. It really does. Robertson has shown himself to be a very effective legal problem solver. He single handedly saved Obamma care (the ACA), when he was the swing vote that found it was constitutional because the ACA requirement and penalties were a tax, thus the ACA did not violate the interstate commerce clause of because it was a tax and like the income tax, it was constitutional. The Supreme Court will not let the country collapse (or in anyway imply it would allow the country to collapse because congress is ineffective in performing its duties. I am very serious about this. And I have no idea how it will pull this off, bit they will. Companies will not be refunded tariff duties. That idea really is insane, and if you rooting for it to happen you are worse than any bear!
Reminder that there's gonna be a lot of economic woe FUD in the next couple of weeks, student loan payment unfreeze + ACA subsidy expiration is about to spank some lower-middle class ass
Lame. Yes. They will. They all but promised to if ACA wasn’t extended. It wasn’t. So now, another shutdown.
Good. Now let get back Obama care subsidies inmediately. That should be today braking news.ACA subsidies.
With ACA funds not being renewed, there may be a pullback in the pharma and healthcare sectors. Especially since 🥭 is taking fistfuls of aspirin every day so he becomes a hemophiliac and suffers toxicity. With China dancing around Taiwan with military exercises and consumer confidence low, tech may also see some down time. BTW, BYD overtook Tesla as far as EV sales go. It's gonna be more of a roller coaster ride until something changes to either stabilize things, or spotlight some new breakout company. Speaking of which, the penny stock I originally dumped a ton of money into -- then reinvested elsewhere -- ET, is now far more valuable than when I dumped it. I don't know if it means anything long term or not. Solid State batteries for EVs would be cool if the EV sentiment wasn't getting hammered by 🥭 and his stupid tariffs.
Wonder how much selling we’ll see to cover the new ACA premiums for the early retirees this year
All of those US Farmers on ACA / Obamacare about to get fucked!!! 🥰
With the ACA subsidy expiration in a couple days, I worry that the entire consumer economy is about to have a sudden loss of demand when the bottom 25% of the US consumer base can no longer afford health insurance and decides to cut back on everything. That will impact much of the S&P 500, but probably not the top 7 tech stocks much, but it will kill growth in general for the year. This isn't taking into account the ongoing headwinds from inflation, student loans, housing, high rates, etc etc.
Lol it'll be fine man chill. Literally democrats caved on the one issue they had tons of leverage on with ACA. And even then we went back right up to new ATHs. We got QE rolling again too.
Will sex robots be included in the ACA subsidies
> Whatever. > Proceeds to argue something completely different than what he said. You're not wrong on your second point. Trump COULD reduce drug markup paid by the US. He can't reduce it 700%, and he sounds like a fool for saying he can. Do you see the issue? Beyond that, even if drug prices get slightly reduced, the average American who NEED the subsidies of the ACA are seeing their premiums skyrocket. The cost of drugs won't matter, they can't afford their Healthcare. Meanwhile, people like you with no ability to think critically argue basic math wrong and then change the argument instead of taking responsibility for their ignorance. It's okay to admit your wrong, it's the first step in making yourself a better human.
I’m shorting ATM puts for ACA marketplace healthcare insurance premiums . 🤑🤑🤑🤑
The not requiring insurance part might open up doors for them with more people opting to not have ACA. I’m gonna keep looking into HIMS for a long term buy.
it's a fragmented space but any telehealth company really. [Ro.co](http://Ro.co) (it's not public) might be the closest proxy. And about the ACA bit (its an interesting POV) but I'm not sure if the kind of meds Hims sells (they've a very narrow focus) are the kind that are covered by insurance......their whole value prop is centered around not requiring insurance.
I never looked enough into them but seemed interesting. Who are their competitors? Is there an advantage for them with people getting off ACA and wanting cheaper care/medications? They also seem to be good with young people.
Does anyone know where I can trade ACA marketplace healthcare insurance premium futures? 🤑 im bullish
Yo. Student loan garnishing commences next month. ACA rates 📈📈📈📈. How’s consumer spending gonna continue? We just maxing our credit cards?
Anyone excited for the incoming CPI spike come May 2026 from the ACA healthcare insurance shitshow? Bondbros won’t be.
And from people front loading medical appointments and procedure spend before January 1 when the ACA subsidies disappear.
Gona go into gov shutdown again in Jan due to ACA subsidies not getting extended 🤣 UNH and CNC already nosediving in prep.
GOP has already laid out their plans in the bill that just passed the house (but is preemptively dead in the Senate). The cost reductions they're looking for are through association health plans and other avenues of increasing the availability of what is basically, shitty useless insurance. The ACA actually defined what must be included in a health insurance plan. Before 08 there were tons of "health insurance" plans that didn't cover shit. Sure they were cheap, but they didn't cover anything, had caps, etc etc. Think like the way current scam dental insurance plans are paid. And that's what the insurance companies will tell him - "We CAN'T lower premiums on current offerings because of all this burdensome regulation" And they will eat it up and press to allow them to sell these worthless plans just so people can technically have coverage even though it isn't worth shit. The giving money to people is also mostly a dead end. They want to take that "extended subsidy" money and give it to people in HSA's. Last estimates I saw were like $700-1100 per year, per person. Not bad, but not really worth shit when you have a bronze plan with a $6000 deductible. That cuck from Louisiana got up and made that speech about allowing people to make decisions, negotiate prices, etc.. what a load of garbage. Having $1000 in an HSA is nice, but it's not going to mean shit when you have a heart attack, or get cancer, or need some other $40,000 treatment.
Idk about whether the ACA will be extended. But a lot of companies in that sector took such a beating, to the point where it was as if investors were expecting the complete and total death of medicare and medicaid, which IMO will never happen lol
IREN, CIFR, NBIS for data center plays. Pretty clear big guys are pissed they missed the initial run since April, nuked the stocks to get better entries, and now believe in the thesis. Institutional holdings have skyrocketed in many of these names while prices dropped 40-50%. 2026 should be the next leg up as mag 7 continue to pay out big contracts. Don’t think these will be long term holds though, there is some real concern over capex to keep up with the tech required. Google is crushing it, not necessarily a moonshot with a multi-trillion MC but I think they keep momentum going for another big year Riskier - CLSK, RR, TTD, OSCR if ACA finally gets extended.
If the issue is the model, it would mean to say if we kept everything else the same such as the cronyism, the for-profit entities, etc, but then got rid of the ACA and subsidies, it would work. Because that's the Switzerland plan which yields better care at lower prices. I'd argue it wouldn't help, because whether it's entirely a privatized model like Switzerland or not, the issue was the cronyism and for-profit entities within the model to start. Any of those models fall apart with government cronyism and a reliance companies that have every motivation to provide the least amount of care at the highest prices, and to lobby to protect themselves and their moat. Which model are you proposing that could still yield better results with cronyism and corporate motivation to "deny, defend, depose"?
Something about the ACA subsidies voting just got ended early or something so that the rest of the votes couldnt go through and immediately shut it down. At least thats what i think it is.
>insurers spend around 90% of their premiums on direct medical care. Thanks for pointing out how clueless you are. ACA/goverment literally had to force them to spend AT LEAST 80% on actual care, before that it was way below 80%. But yea poor insurance companies, why doesn't anyone think of their of their record profits.
For fucks sake, don't rely on generative AI to explain concepts to you. You need to consider the context of what was said in the discussion. Besides, what you provided isn't even a good definition of "Major Medical" because that is a term that hasn't been routinely used since ACA was passed. I was replying to someone talking about how "Major Medical" used to be a popular option, implicitly for cost reasons. That implies two things (that are incorrect): 1. Current ACA compliant plans aren't Major Medical (HDHP plans with HSAs are a common option) 2. Because Major Medical is a pre-ACA term, it is implying that cheaper pre-ACA plans are a solution when the are loaded with problems
What are you two even talking about. I searched for "major medical insurance" and got >Major medical health insurance is a term that's generally used to describe comprehensive, robust health coverage. All medical plans sold in the ACA Marketplaces are considered major medical coverage
The coverage that health insurance companies have paid out is historically high relative to premiums (over 90%). I just don’t see much room to get this number down unless it’s just short term for political gain. I still think there is long term upside in the insurers has cost to benefit ratio normalizes even if millions get dropped from coverage with ACA subsidies expiring.
The ACA killed catastrophic plans. You could get one for $150/month that wouldn't cover anything day to day but would protect you from bankruptcy if anything big happened. A $7k deductible then covered everything after that. We got scammed.
You can't just wave a wand and lower insurance premiums.... They gonna cover nothing if you force them lower... ACA been around 15 years and Reps couldn't make it better....now they have 1 month
U.S. House Votes To Block Move To Consider ACA Healthcare Subsidy Extension Before End Of Year its like they are actively tryig to kill people
Many people never make it through college. Many people don't get any job offers after college. Also, I think a lot of people are getting very pissed off that a clinical psychiatrist is charging whatever they want to charge because the ACA got more people on health insurance. I actually want to see all health insurance go, and then maybe we'll get a single payer health care system when the people create a new political leadership that will change the housing policy, health care policy and do something about the accelerating extremes in economic inequality.
There is a real risk of a correction based on AI growth. The planned build outs require a lot of imaginary money and infrastructure. At least -0.75 fed rate reduction. This will likely increase inflation since we're barely at target now with historically low fuel prices. With weak hiring, enhanced ACA subsidies cut and more restrictions on Medicaid consumer spending power is going to drop further than it has already. That means retail investment should be focused on things that are either non discretionary or that target those with higher income. Or maybe it will be all sparkles and sunshine. Tariffs get cut, subsidies get renewed, infrastructure actually gets built.
I think tomorrow’s address is 1 of 2 things: 1. We are invading Venezuela 2. An address related to healthcare. Currently, the ACA subsidies are set to expire in January and Congress have been fighting on what to do. If it’s #2, I could see the rescheduling announcement being rolled into the healthcare “improvements” he will announce in lieu of Congress extending the ACA subsidies
# Yes, a government shutdown in 2026 is a strong possibility, as a November 2025 stopgap measure (Continuing Resolution - CR) only funds most U.S. agencies until #January 30, 2026, setting up a potential renewed funding crisis for early 2026 unless Congress passes full-year appropriations or another short-term fix. The current situation is a temporary patch following a record 43-day shutdown in late 2025, with major disagreements over spending levels, policy riders (like ACA subsidies), and the budget for Fiscal Year 2026
Wow what a rough 24 hours that was back in 2013 when the site went down for 2 hours because it was so overwhelmingly popular. Based on that ACA was clearly useless. /s That you have no idea what I mean by gutting the exchanges speaks volumes. I mean he stopped offering subsidies to insurers operating on the exchanges, increasing their risks and leading to pullouts and lack of choice for consumers, while simultaneously using rulemaking to push lower quality plans providing insufficient coverage through employers.
Wow what a rough 24 hours that was back in 2013 when the site went down for 2 hours because it was so overwhelmingly popular. Based on that ACA was clearly useless. /s
It doesn't matter what the stated intention was. What happened was the largest government hand out to insurance companies ever. The growth in "health administration" has been nearly 500% since the ACA was passed, stock value through the roof, patient outcomes down, Doctor, nurse, and patient satisfaction down. The ACA has been a complete disaster from the day it was passed. Everything said about it at the time was a lie, everything done has been for the benefit of insurance companies.
>the Fox News story You are a partisan hack, not a serious person. No wonder you came to this thread to fellate the fucking Pelosis of all people. >The launch of the Obamacare website, HealthCare.gov, on October 1, 2013, was widely regarded as a disaster due to severe technical failures and mismanagement. >Within hours of its debut, the site crashed under the weight of user traffic, with only six people successfully enrolling in health insurance plans on the first day. Over the first three weeks, just 500,000 out of 20 million visitors managed to complete applications for coverage. >The root causes of the failure were multifaceted. The Government Accountability Office (GAO) found that the Obama administration lacked "effective planning or oversight practices" in developing the website, leading to significant cost overruns, schedule delays, and incomplete system functionality. >The Centers for Medicare and Medicaid Services (CMS), responsible for overseeing the project, failed to follow proper procurement procedures, did not conduct thorough performance reviews of contractors, and neglected to create a written procurement strategy as required by federal regulations. It was so disastrous that Zack Galifanakis mocked it to Obama's face on his show. No idea what you mean by "gutting of the exchanges," but they still worked fine last time I checked. And the Dems had 4 years to reverse whatever you think he did and chose not to. The ACA has been a disaster for everyone except insurance companies and hospital administrators
So nothing on the gutting of the exchanges, which is really the main thing? And latching onto the Fox News story about the website from the first 24 hours of Obamacare’s launch (which itself was due to the popularity of ACA)? Laughable.
Nah, among other things he gutted the exchanges. He cut promotion of ACA options to citizens. Escape your echo chamber.
She was Speaker, she pushed ACA through and but for her it would not have happened. She isn’t the only person who has got rich in congress and there is no evidence she got rich because of congress, despite the popularity on Reddit of saying otherwise. There are actually established violators of congressional trading rules and Pelosi isn’t one of them, and others in Congress have made way more on trades than Pelosi during the same time.
I’ll take those kind of wins any day, but it’s not just Pelosi pushing for ACA, and it’s not just Pelosi getting rich serving in congress
Yeah, politics. Pelosi wanted more but in the end took what she could get for ACA, which as you note was way better than what existed before. It was trench warfare with that bill.
Utter nonsense. Everything about healthcare has gotten worse and more expensive continuously since the ACA was passed, and all Trump did was stop forcing people to get it. Her only goal in Congress is getting herself and her husband $200M in shady business dealings and insider stock trades.
You think the consumer is weak now, just wait until *everyone* is paying way more for healthcare next year after the ACA subsidies expire. Millions will lose coverage altogether and companies will be forced to raise premiums to make up for the loss of billions. All this coming while unemployment rises, inflation continues unabated, defaults continue to rise, home prices fall, and tens of millions of student loan debt holders face liens on their income. 2026 is shaping up to be a rough year, even without the AI Bubble popping.
Not that the ACA isn't way better than having done nothing to improve our healthcare system it's really fucking sad that it's regarded as one of the more impressive achievements of our time. It's pretty fucking awful by any other standard.
Pelosi has a long list of accomplishments that helped Americans in general, and her constituents in particular. Passing ACA is probably the most important, though it has been greatly weakened by Trump and the GOP since it was passed. I’ve worked with her local office and seen the action firsthand. You haven’t seen squat, I imagine.
Got kind lazy with the counter points. Anyone else out there still waiting on infrastructure week, or the GOP healthcare plan from when they were trying to overturn the ACA? I will give you a hint. They never ever happened.
If dividend-focused investing makes you comfortable and helps you invest more money confidently, it's probably not unreasonable. With 30+ stocks, you're going to be "reasonably" diversified. I'd prefer someone to be **more** diversified (since high yield dividend stocks are often concentrated into commodity/manufacturing companies), but there are certainly worse habits to pick up. That's the biggest pro of dividend-focused investing - it tends to make people comfortable. Money shows up in their checking account regularly. That cash flow may prevent a person from even thinking of checking their portfolio. Most behavioral evidence shows that the biggest risk to most investor's future financial success has nothing to do with what they invest in, but rather their ability to be consistent in their investing approach. It's a simple approach, and inherently regulates spending because you will decrease spending when dividends go down. All of that is good for most investors for behavioral reasons. The cons are it doesn't actually help you from a financial perspective, and can possibly hurt you, especially in a taxable account. There's an implicit assumption in a lot of dividend investors that their stocks are more stable than the rest of the market. That tends to be true when viewed by itself, but not on a risk-adjusted basis. That assumption isn't backed by much evidence, and violates the notion that the market is efficient. Certainly **some** dividend stocks have been historically more stable than the rest of the market - particular "dividend aristocrats". However, that has varied over history. For instance, they performed well in the 2000s dot-com crash, but not so well in the 2008 great financial crisis, and not in the last 10 years or so. Further, it has only applied to some stocks - especially high yield dividend stocks (those that make 6%+ yield) have generally been less stable than the rest of the market. The actual spending you can get from a dividend-focused approach is inherently lower than a total returns based approach. This is straightforward - if you only focus on dividends, you will never sell shares and will only "spend" part of your portfolio. In a total returns approach, money is viewed as fungible and spending any sort of money is viewed as equivalent - this allows someone to spend down their portfolio, increasing their available spending in decumulation. Finally, tax drag is a thing. It's not huge if you just focus on the dividend tax (though it is non-zero). However, if you look at it from a government benefit perspective, it's quite high. ACA tax credits are a huge effective tax on income in decumulation - you will pay a bit in tax, but lose a lot in tax credits, especially as someone approaches the 4x FPL limit for credits. Further, IRMAA kicks in as another tax for increased income. I've met several people who end up "succeeding" at dividend investing, then realizing they have a massive tax bill for the rest of their lives that they have no way to avoid.
Obamacare was sold to the public as a needed reform to reduce medical costs What actually happened was costs skyrocketed, but the government was heavily subsidizing that cost, so to the end user it didn’t really go up all that much. The subsidies have ran out and costs have skyrocketed, because the ACA was and is horrible legislation that has done incredible damage to health care and costs in the last 15 years
None taken. This is an interesting chart. Scroll down. But if you have a family of 4, and unless make less then $50k a year to qualify for Medicaid, you can’t afford insurance. I know because I just looked on the ACA site (I can afford it, but just to see where the jump in costs are, I reduced the income to see where Medicaid kicks in) https://truthout.org/articles/top-5-us-health-insurers-annual-profits-jumped-230-percent-since-acas-passage/
Between my premium increasing and ACA cuts, I’ll be paying quadruple what I paid last year for insurance. I refuse. It’s a great time for an affordability and health crisis!
The only problem with ACA is that the insurance company profits have exploded ever since. Healthcare is not affordable.
I mean, blaming it on Obama sure, but Dems had a once in a generation opportunity and blew it. 2 Dem senators stopped universal healthcare, no one was held responsible for the financial crisis, RBG should have retired during her first cancer scare and saved her seat. Obama did a lot of good with the ACA, but Dems as a whole could've brought the systemic change that people were begging for after Bush. Instead it felt like the 4 years we got with Biden over Trump. Like, objectively way better and more stable, but there's a reason so many people turned to Bernie immediately after. They wanted more change.
I don't think a downgrade is on the table quite yet, unless the Republicans vite down extending the ACA tax credits.
What an obnoxious comment. Good on you to be lucky in life not to depend on the ACA. Too bad you aren’t rich enough for analytical thoughts.
ACA also prevented insurance companies from denying coverage based on pre-existing conditions. Do you consider this a negligible change?
The ACA has literally allowed millions more to be covered free, not to mention tax credits lowering costs for anyone under 400% of the poverty line. Biden's recently expired covid era credits did even more. You're being obtuse. Perhaps willingly.
ACA deadline approaches - prepare your anus
I want to be clear that I'm not a Democrat by any means, they share a lot of the blame for why we're in this situation in the first place. Biden personally deserves a lot of the blame for trying to run again despite clearly being physically and mentally incapable of doing so (the brain cancer diagnosis was really icing on the cake). That being said, Democrats are objectively the better party for the economy and for the country more generally: they're more competent and less corrupt (these are highly relative lmao), more consistent and predictable (to a fault), and less partisan. I mean, ffs, we've now had more than a decade of Republicans refusing to provide their own alternative to the ACA or to allow desperately needed fixes to be implemented. For decades now they've been preventing desperately needed reforms from being implemented for a variety of major issues facing the country as part of an explicit political strategy... and it fucking *works*! Republicans have been the biggest perpetrators of the culture wars nonsense because it keeps people distracted from the actual issues and it helps them win elections. Frankly what we need more than anything is to toss out the two party system altogether and rework the political system from the ground up. But the chances of that actually happening are slim to none, the megarich who actually own the government have no interest in letting this happen, they're perfectly content with running the country into the ground so that they can scavenge what's left.
New came out that DJT was backing down on the Obamacare subsidies (but we have to call them ACA).
Dems got a nonbinding pinky promise that there will be a pointless doa vote in January to extend ACA funding. Also a promise not to do RIF for federal agencies. Totally worth it
I have to disagree. There are huge benefits to a Roth, benefits that extend to the individual's non-qualified heirs 10 years past one's demise (and indefinitely for qualified heirs). I am a case in point. Because I have a big chunk of liquid assets in a Roth (and a big chunk in an inherited Roth), I have tax-free distributions that I not only pay no explicit taxes on, but also no implicit taxes on benefits that accrue to folks with a lower AGI, like ACA subsidies and taxing of Social Security benefits. I am most assuredly one of the few Individuals with multimillionaire wealth that is on the Medicaid ACA expansion (I will be transitioning to an ACA plan in 2026, only because of the BBB and its upcoming work requirements in 2027; of course, the Dems are going to sweep up the House & Senate in 2026, and we will get the Public Option to replace the ACA Medicaid expansion, among others), and will be a "low income" Social Security beneficiary (i.e., SS will not count towards AGI) when the times comes.