ACA

homiej420

Theyd have everyone just die instead of have any sort of coverage. They have NO plan. They just are riling up their racist base against “obamacare” to repeal that, even though many of those fuckin losers are on ACA. But obamacare god forbid

Omarkhayyamsnotes

You're right. We even had the ACA in the status quo. But they want to go back to a time even before that...

Late-Tadpole-2318

Made the mistake of having my eyes open when a couple ACA related truth soc screenshots hit my feed

gumnamaadmi

Who is disputing that? Your work plan resets earlier. So you pay now. ACA plans reset jan 1. So ACA premiums reset jan 1st.

Little_Scientist01

I’ve been in the same mindset lately. I came across an app from a friend, and it has paid off tremendously. I’m loving moonshot. I purchased ACA and I am already seeing about a 150% payout. It’s available on their “create” tab if you search for it. I’m open to answering any questions, here is my link if you want to support me as well for my advice https://moonshot.com?ref=13TuwN

spookyswagg

Yeah but ACA is affecting EVERYONE not just people on it. EVERYONES premiums are going up dude.

TimeTravelingChris

No, non ACA policies are also spiking. We got word ours normal work policy is going up big time.

gumnamaadmi

ACA premiums change from Jan 1. You do renew now though but till December current year coverage applies. Your work insurance plan must be expiring in November, hence immediate update. Not the case with ACA.

TraditionAbject2570

This is not a new plan. It has been discussed in Congress for years. It is a universal HSA plan. Under health insurances now, you can also contribute to a HSA to provide money for medical expenses that the insurance does not pay. The universal HSA would allow anyone to save money, tax free for medical expenses without having an insurance policy. The major change is that funds can be put into the HSA for people under a certain income level to be able to cover insurance premiums and medical costs. This can foster medical insurance competition in the market and bring down costs. ACA pretty much guarantees premium payments to insurance companies and has caused an increase in all insurance premiums.

2020Macthedog

I am as big a bear as there is but still want to comment Most do not have a clue with how the ending of ACA subsidies even works. Congress under Biden approved increased subsidies in 21 and reupped them and expanded them in 23. These were all set to expire end of 25. The two major changes were Increase the amount of the subsidies size. This effected everyone who gets them equally. They also temporarily ended the 4x poverty income rate cap. Conventional wisdom is the Republican house will propose keeping the increased subsidy size and put the 400% poverty cap. I think this will happen. Who is impacted the most of this happens? Not poor people. Instead it is families making between $125k and $300k per year. They are not poor and I doubt Democrats will fight that hard for them. But they are the middle class and the income range that retail investors live in. So. No doubt it will have a negative impact on the market but not as big as people think. And the total FED spending for it is only about $30B. $30B is not that much in the economic scheme of things. But there are plenty of other reasons to be bearish so you will win

RedditMapz

I'll bring some nuance to this: Many HMOs and even PPOs are free or near free for single people at medium to large white collar companies. In my decade-long tech career I've never paid a premium (until next year likely due to the ACA subsidies sunsetting). No plan is going to have a negative premium so even if the HDHP is also free or near free, the high deductible would make it the lesser healthcare option for those who do actually want to access healthcare on a regular basis. So no, objectively a HDHP does not always make the most sense. I'd argue there is no one size fits-all between the HMO, PPO and HDHP configurations. But my beef with HDHPs is that it is most often sought after by investors interested in the HSA. I feel this encourages people to not seek medical care. That's implicitly what a lot of threads around HSA discussions imply, particularly to young people. It is my personal belief that everyone who can, should seek consistent medical care, even if just a yearly physical/visit. The chances of getting anything chronic in your 20s/30s are low but never zero. It is a form of insurance for single young people's earning potential.

Leroy--Brown

Look at the companies involved in the sector. Look at their proportion of clients that are covered under Medicare advantage plans, and under Medicaid/ACA plans. 16% of the US is covered under the ACA. The ACA is very likely to experience an adverse selection death spiral. This means in the next few years, it will be much less than 16% of Americans getting healthcare from the exchange. Many people will be dropped both voluntarily and involuntarily from Medicaid plans. Then Medicare. 20% of the US is covered under Medicare plans. They are having small and regular cuts in revenue. How much is revenue cut under the new BBB you ask? Good question, I think a lot of people would like to know the answer to that question. And I think no matter how many times you google "Medicare reimbursement rate changes in 2026" you'll find a wide range of answers. I think the real question is this: will the private market be able to make up for insurance companies loss in revenue from the public market? I'm doubtful.

FluffyB12

Currently anyone who gets healthcare through their employer massively subsidizes the ACA healthcare plans.

rvaPackRat

Don’t need to artificially do anything. There’s 45 million people on ACA plans, and on average their health insurance premiums will more than double starting on January 1. There are millions more who are losing access to Medicaid. Their costs are going up across the board, not just for healthcare.  Meanwhile AI isn’t operationally profitable, all of the platform companies are running it at a loss in order to attract subscribers. The scope of AI productivity impact will be much smaller than originally claimed. Not as bad as the blockchain fad about 10 years ago, but LLMs and machine learning aren’t going to magically save the world.  The stock market is drunk on an expectation of earnings that very few companies will be able to achieve, and a belief that trampling on the middle class and working class will never come back to haunt them. 

oh_ski_bummer

Isn't this just an inefficient version of socialism? What plans are they going to have access to without the ACA?

HeadyBunkShwag

Remember the ACA (Obamacare) also prevented insurance companies from declining you due to preexisting conditions. So those will be gone too and you’ll be back to seeing people being kicked off insurance for discovering cancer. Way to go

HistorianMedical704

I wonder how that works? Cash payments are very hard to track once disbursed. Is it HSA, or more like a voucher? Can I use this money and do self-pay instead? ACA insurance is commercial insurance.

AnAbandonedAstronaut

ACA doesn't force you to pick one over another. You have the option to not use the market place. Do saying it prevent competition is an outright lie. On top of that, the laws in the ACA have helped millions of people, such as the yearly cap on out of pocket expenses.

chinaski73

Hospitals can bankrupt a person, it’s crazy. I have a good employer Anthem BCBS plan, but I think if I just walk into an ER it’s a minimum $1k. I really feel for all these people who can’t afford their ACA plans because of republicans. A lot of them are late 50s to early 60s where they’re too young to get on Medicare yet but old enough to be at risk for significant health issues. But the money went to fund ICE so all is good 🤬

Rab_Kendun

It's a concept of a check. And shortly after they repeal and replace the ACA.

firstlight777

Without ACA, the cheapest plan for my family of four on the Blue Cross Blue Shield website in TN is $2,050 a month with a $7500 deductible. Fuck health insurance companies and fuck $2000. We need a single payer government system.

siliconCoven

Since when is Palantir AI? I never paid that much attention to Palantir. I looked it up because it was on my drive home when I first moved to NorCal. My impression was and is that it's a big data company used by the government and that made it controversial. My attitude at the time was to shrug and think, "after Accenture had to go in and save the ACA website, someone has to move the government into the 21st century.... And eww. Peter Thiel!" Out of sight out of mind for 10 years. Suddenly I see Alex Karp everywhere. I had never heard of him. I thought Thiel was the CEO. It made sense that it's stock was going up under the new administration. It's too bad I didn't remember it exi$Ted sooner. I tuned in when I realized he was talking about AI and saying he was running an AI company. I looked at it again. It has more products. It looks like a newer one called Ontology has AI integrated into it to help process Big Data. It's not AI. I do agree with him on one thing. Most of the AI products today aren't really creating value. Which doesn't justify the spend on it given how quickly, the infrastructure Big Tech is currently building will depreciate. I disagree with him that his SAAS (or is it PAAS?) big data system is really AI creating value. It's adding AI to modernize an established product.

WolverineHelpful9775

Why did rich people have access to the ACA tax credits to begin with…

2020Macthedog

So. Dropping the ACA subsidies for those above 400% of poverty level is going to impact families with incomes of 125k to around 300k. That is the middle class. It is going to crimp them. Forget the new car. The kitchen up grade. All of it. Y'all focus on emails. Some of us focus on the market and economy. Market will tank. If not now then next month or the month after. It is never to early to exit a liquidity bubble. Take your profits at least. By some puts if you are brave..but be nimble

unbalancedcentrifuge

Yep... my Mom died of that shitty coverage before the ACA. The dr looked at the insurance that my dad and mom paid out of pocket after my father was laid off and said "you cant afford treatment," and sent her home with colon cancer. Fuck those companies.

Due_Brilliant_9455

The real problem is the ACA they couldnt turn you down for prior conditions all the money in the world isnt going to fix the fact that they wont have to offer you coverage now

usernameS4

I thought part of the problem the GOP have with the ACA was insurance companies getting rich off tax payer money. I guess by giving the money back to tax payers to pay the insurance companies directly is totally different.

HeyWhatsDatSoundLike

That’s not how health-care markets work — insurers don’t get “guaranteed money,” and the ACA actually forces them to justify rates, meet spending rules, and issue rebates when profits are too high. Giving people a flat $2k doesn’t magically create competition either, because health care isn’t a normal consumer market — you can’t shop during emergencies, prices aren’t transparent, and in many areas there’s only one provider to “choose” from.

unclefire

Rates aren't necessarily coming down. Missing data + inflation still being a threat. Budget situation isn't settled either-- CR is just for a few months. Budget overall is still a mess with high deficits. ACA, medicaid, etc. are still huge issues. There are tons of layoffs happening.

Stymie999

Subsidize ACA or send subsidy directly to people, either way it is the government subsidizing health care insurance costs under the false narrative of making health care more affordable.

Still-Chemistry-cook

Are you f*cking kidding me? Do you remember before ACA? Preexisting conditions? Kids couldn’t stay on parent’s plans? Junk insurance that didn’t cover anything? People like you are the laziest on the planet.

uslashuname

Apparently it is a difficult concept because you aren’t getting it. Large insurance companies destroyed competition, lobbied to get paid, and have shit coverage be fire the ACA. Really, really shit coverage like taking your payments till you needed insurance then investigating you and deciding what you have was a pre-existing condition so they could drop your coverage. Really, really shit coverage like not even covering preventative care because if you’re going to switch companies before it becomes a problem why wouldn’t they maximize profits now? Profits = higher costs for lesser services That’s capitalism. What capitalist wouldn’t want you to die without their services? More choice, more competition? That’s the capitalists propaganda. Over half of the countries in the world have single payer healthcare because the lives of civilians shouldn’t be bargaining chips on board room tables. It’s really not that difficult of a concept.

LarquaviousBlackmon

Yeah because the ACA didn't guarantee that insurance companies were getting their money directly from the Federal government no matter what, thus allowing them to raise prices indiscriminantly? LOL

Key-Ad331

Tell him: You're on your own. Go get healthcare from ACA exchange. And your premium will be 2k a month.

ga643953

Nah, ACA extension will be discussed again next month and if they can't come to an agreement by the end of January, we're shutting down again. This is going to be fun.

Sandvicheater

How dystopian is America where we have to choose between Food (SNAP) vs healthcare (ACA)

Enygma_tik

UNH specifically doesn’t rely that much on ACA benefits, from what I understand

Narrow-Praline-6992

insurance companies rely on ACA, new policy announced to defund ACA, and insurance stocks like UNH go up?! Something not right

Sandvicheater

I heard that the ACA obamacare was a mixed bag it helped some people but screwed over others.

bilboomerbaggins

Seems people are more concerned here about ACA than QQQ, unfortunate

Aggravating-Elk-7409

Shut up regard. Some people don’t want the ACA to be gutted

FuckElonMuskkk

Gosh I wish I was this fucking retarded. Life would be a breeze cuz i wouldnt have to critically think about the future and consequences of my actions. You realize illegals do not get EBT/SNAP or ACA subsidies right? They literally cant. You know who does? Part and full time workers who still fall under the poverty line due to being paid stagnant wages from 2008.

ILoveThiccBitchez

The government shut down because lawmakers did not agree on how to fund federal operations—both how much and what policies should be attached to the funding (especially healthcare subsidies under the ACA) So as of October 1 the funding lapsed and non-essential functions were suspended. Funding to SNAP/ EBT, was the main “culprit” for the shutdown; reasoning was that the Democratic Party wanted to keep funding it. Now ask yourself? Why fund it… 1: they lost to a historical landslide. 2: They want SNAP/EBT payments to keep going so they can give it all to illegals, makes them look better and drawls them into our country and they’ll V Demo. (Gotta watch what I say or it won’t post or I’ll be banned) Repubs don’t want that and believe the funding in EBT/SNAP should be used and only given out to US people because that’s who it’s for. Make sense? Don’t over think, it’s smoke and mirrors at this point

The_real_Covfefe-19

No, Repubs wanted to gut ACA funding and SNAP funding for poors.

CUbuffGuy

I guess this is from the ACA filing 10 min ago by Jeffries? Prob thought it might fuck with someones vote tn

emporerpuffin

I understand how the government works. To think it's gonna pass this round is absurdity. Once the 500k kickback for j6 communication data gets axed and ACA gets funding them maybe it passes the house.

Mariox

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.

Slowhand1971

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.

Cedarapids

There’s ACA subsidies in the table tho

Leroy--Brown

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.

Testuser7ignore

Yeah, there is a big gap between ACA plans and employer plans. The two shouldn't be conflated.

Same-Brilliant2014

What? Bro we got that promise to vote to kill ACA one month later than now.

ineverknewyoucould

UNH would benefit from taking ACA subsidies and giving everyone option to pick their healthcare as they are not involved with ACA like others

Leroy--Brown

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.

ShadowLiberal

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.

Substantial-Wing1226

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.

OrdinaryMix4013

#House Minority Leader Jeffries Says I Will Oppose Stopgap Bill Without ACA Subsidies LMAOOOOO

og_kbot

ACA free govt money is in jeopardy.

tonufan

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.

AlGAdams

So he could gaurantee voting on ACA subsidies at a future date obviously

Twisted9Demented

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.

gami2billy

It helped them with the elections last week but yea most Democrats wanted the ACA extensions as the main priority

pmotiveforce

Less than nothing. And hilariously 🥭 can just veto any ACA subsidies they managed to get (they will get none).

WilsonKh

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.

Mood_Exact

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.

Mood_Exact

Are you talking about the covid era ACA subsidies that they have to eventually stop renewing?

NeverNude26

It will be done Wednesday. Dems just gifted republicans the death of ACA.

Testuser7ignore

ACA funding isn't impacted. Only Covid related funding.

tonufan

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.

WickedSensitiveCrew

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.

smokeyjay

$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.

WickedSensitiveCrew

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.

oh_ski_bummer

Dems had 4 years under Biden to write ACA subsidies into law. They didn't and here we are.

Revolver_Lanky_Kong

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

gopoohgo

Because the moderates caved for the promise of a vote (not a guarantee) on extension of the ACA subsidies

NoNature3435

ACA

DaddyFund

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.

lipmanz

“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

lipmanz

Save 30 Billion on ACA spend 40 Billion on stimmies nobody asked for, that’s government math 👍🏼👍🏼

DaddyFund

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.

tonufan

Effected by ACA more than others.

oh_ski_bummer

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.

moustache_disguise

>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.

eirinite

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

Revolver_Lanky_Kong

Dude who lies about everything: "yes we DEFINITELY will take a vote on the ACA later in good faith, you can trust us"

moorhound

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

dpfbstn

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.

sleafordbods

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

caliwillbemine

-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.

sucknduck4quack

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.

sucknduck4quack

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.

Enygma_tik

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

Elderwastaken

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.

nowiseeyou22

In the end it was a Republican (McCain) that saved the ACA and Democrats who helped gut it

GreatGojira

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.

timeforachangee

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?

reaper527

> 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.

james_d_rustles

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.

TheRealCoolio

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.

NewPudding9713

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.