I hope Trump lowers health care premiums and deductibles for Obamacare recipients

[berg80]

I'm holding out hope that less will be so funneled. For example, no more taxpaid healthcare premiums for people making six figures.

Maybe I'll be disappointed when Trump is unable to end that because congress will not. But that won't change the fact that Democrats shut down the government specifically to try to force Republicans to agree to keep providing tax-funded healthcare to entrepreneurs, artists, and trustfund babies making millions per year.

Why do you consistently choose ignorance over knowledge when knowledge is so easy to obtain?

AI Overview

No, you do not qualify for ACA subsidies if your income is consistently over a certain six-figure threshold, which is generally considered to be over four times the Federal Poverty Level ($62,600 for an individual or $128,600 for a family of four in 2026). Under the current law, 2025 is the last year that incomes above this level may qualify for subsidies, and a hard cutoff is expected to return in 2026 unless Congress passes new legislation.

Income thresholds

• Standard eligibility: The standard ACA subsidy eligibility is for incomes from 100% to 400% of the Federal Poverty Level (FPL).
• 2026 thresholds: For 2026, the maximum income to qualify for subsidies under current law is approximately $62,600 for an individual and $128,600 for a family of four.
• Higher incomes: You will likely have to pay the full price for health insurance without any subsidies if your income exceeds this threshold.

 

[dblack]

Well, yes and no. When rates are filed with a respective state insurance office they are also sent on to CMS for them to review. The state may approve an increase or decrease in premiums but CMS may not agree. Deductibles and max out of pockets are set by insurance companies but they also have to follow what the max out of pockets rules put forth in the ACA for any particular year.

In other words, a regulatory shell game.

 

[hadit]

I’m very excited that Trump has decided Obamacare is worth keeping as he seeks to extend government subsidies, which are essential. I don’t mind paying taxes for things such as healthcare for those in need.

I’m not really a “small government “ guy so I applaud this move.

But I want to know if the changes that he wants to implement will result in each plan costing people less money in premiums and deductibles than it cost before.

Do you guys think Trump will lower premiums and deductibles?

I think Trump will lower premiums and deductibles because he is all for affordability.

I think he will pump money into the system and the insurance companies will simply continue raising premiums and pocketing the difference. That's how it normally works when government throws money at a problem.

 

[debbiedowner]

In other words, a regulatory shell game.

Yep!

 

[Seymour Flops]

Why do you consistently choose ignorance over knowledge when knowledge is so easy to obtain?

AI Overview

No, you do not qualify for ACA subsidies if your income is consistently over a certain six-figure threshold, which is generally considered to be over four times the Federal Poverty Level ($62,600 for an individual or $128,600 for a family of four in 2026). Under the current law, 2025 is the last year that incomes above this level may qualify for subsidies, and a hard cutoff is expected to return in 2026 unless Congress passes new legislation.

Income thresholds

• Standard eligibility: The standard ACA subsidy eligibility is for incomes from 100% to 400% of the Federal Poverty Level (FPL).
• 2026 thresholds: For 2026, the maximum income to qualify for subsidies under current law is approximately $62,600 for an individual and $128,600 for a family of four.
• Higher incomes: You will likely have to pay the full price for health insurance without any subsidies if your income exceeds this threshold.

Tax funded health care for wealthy through the aca marketplace is still in effect right now.

Yes, the massive subsidies for tax funded healthcare for the wealthy will end at the end of 2025. One more month of the gravy train for those rich entrepreneurs, artists, and trust fund babies.

Democrats literally shut down the country in order to force Republicans to extend that ridiculous giveaway.

 

[Edgetho]

Tax funded health care for wealthy through the aca marketplace is still in effect right now.

Yes, the massive subsidies for tax funded healthcare for the wealthy will end at the end of 2025. One more month of the gravy train for those rich entrepreneurs, artists, and trust fund babies.

Democrats literally shut down the country in order to force Republicans to extend that ridiculous giveaway.

We get a lot of Hurricanes here in Florida. Bad ones. Really bad ones.

Back when Hurricane Andrew hit, it put dozens of Major Insurance Companies out of business and sent most of the rest scurrying to leave the State.

Homeowners Insurance became almost unobtainable. So the State of Florida, the best-run of all the States, started what was known as the Florida Joint Underwriting Property and Casualty company. A State-Run Homeowners Insurance Company.

The deal was that all Homeowners Insurance Companies in the State had to participate in the Losses of the Company. And they were excessive, causing many more Companies to leave the State. So within a couple of years, the rates were just stupid. I mean.... Way stupid. 5, 6, $7,000 for Insurance on a $300k house. That same house today is probably worth $400k.

So then they started out with new and more strictly enforced Building Codes. I just had to spend $2k to have what's called a "3rd Nail" in my trusses to Tie-Beam connection. Worth it, though. Took my insurance down from $5k to around $3k a year

I don't know why Governments can't run Insurance Companies but they can't. They just can't.

Ask any Floridian about Homeowners Insurance, then cover your ears. And although it's not supposed to happen, Florida's problem has expanded into most other States.

Governments, even the best of them, just can't run Insurance Companies or Insurance Programs.

I honestly believe we'd have better luck if we started a thread on Faster Than Light Travel (FTL). I believe we'd find more common ground and have better understanding.

Insurance is the simplest of concepts (been doing it since biblical times) but the hardest to implement and even hard to run aside from being virtually impossible for the Layman to understand.

An actuary is a financial professional who uses mathematics, statistics, and economics to analyze the financial and business implications of risk and uncertainty. They are primarily known for their work in insurance and pensions, where they help design programs to protect against future risks like death, sickness, or property loss. To do this, they collect and analyze data to forecast the probability and financial cost of various events.

• In Florida: As of November 2025, the average entry-level salary in Florida is approximately $98,524.
• Mid-Level Salary: $150,000–$200,000 for those with 5–10 years of experience and credentials like ACAS or FCAS.

 

[dblack]

Governments, even the best of them, just can't run Insurance Companies or Insurance Programs.

Indeed. And, despite the ambitions of cretins like Reich and Krugman - the government is not, nor should it be, an "insurance company with an army".

 

[Independent thinker]

I’m very excited that Trump has decided Obamacare is worth keeping as he seeks to extend government subsidies, which are essential. I don’t mind paying taxes for things such as healthcare for those in need.

I’m not really a “small government “ guy so I applaud this move.

But I want to know if the changes that he wants to implement will result in each plan costing people less money in premiums and deductibles than it cost before.

Do you guys think Trump will lower premiums and deductibles?

I think Trump will lower premiums and deductibles because he is all for affordability.

If Obamacare was so great, why does it have to be subsidized?

Answer:

Because Obamacare was not so great.

 

[Fort Fun Indiana]

Is there another way to "make it lower" besides taxpayers paying more of them?

There sure is.

The individual mandate.

Welcome to 2010. Glad you're up to speed. Kinda.

 

[Fort Fun Indiana]

If Obamacare was so great, why does it have to be subsidized?

Because the GOP deleted the individual mandate. Because the smilin' brown guy ate their lunch, so they immediately had to hate and delete their own idea, to satisfy and alleviate the racist convulsions of their base.

 

[struth]

So Obamacare is the best Trump can do? Wow.

Trump didn’t go Obamacare, that was Obama and your Dems

 

[struth]

Because the GOP deleted the individual mandate. Because the smilin' brown guy ate their lunch, so they immediately had to hate and delete their own idea, to satisfy and alleviate the racist convulsions of their base.

The IM was just another tax. That doesn’t explain why there is a need for subs

 

[dblack]

There sure is.

The individual mandate.

Welcome to 2010. Glad you're up to speed. Kinda.

The insurance companies loves them some mandates.

 

[Fort Fun Indiana]

The insurance companies loves them some mandates.

Definitely.

 

[d0gbreath]

Once again. Is Obamacare the best Trump can do?

Basically yes. It's a well formed socialized healthcare system that works. It's not just Trump. He doesn't even know anything about how it works. He relies upon experts in that field. I know it, they know it, and now you do too.

 

[22lcidw]

We get a lot of Hurricanes here in Florida. Bad ones. Really bad ones.

Back when Hurricane Andrew hit, it put dozens of Major Insurance Companies out of business and sent most of the rest scurrying to leave the State.

Homeowners Insurance became almost unobtainable. So the State of Florida, the best-run of all the States, started what was known as the Florida Joint Underwriting Property and Casualty company. A State-Run Homeowners Insurance Company.

The deal was that all Homeowners Insurance Companies in the State had to participate in the Losses of the Company. And they were excessive, causing many more Companies to leave the State. So within a couple of years, the rates were just stupid. I mean.... Way stupid. 5, 6, $7,000 for Insurance on a $300k house. That same house today is probably worth $400k.

So then they started out with new and more strictly enforced Building Codes. I just had to spend $2k to have what's called a "3rd Nail" in my trusses to Tie-Beam connection. Worth it, though. Took my insurance down from $5k to around $3k a year

I don't know why Governments can't run Insurance Companies but they can't. They just can't.

Ask any Floridian about Homeowners Insurance, then cover your ears. And although it's not supposed to happen, Florida's problem has expanded into most other States.

Governments, even the best of them, just can't run Insurance Companies or Insurance Programs.

I honestly believe we'd have better luck if we started a thread on Faster Than Light Travel (FTL). I believe we'd find more common ground and have better understanding.

Insurance is the simplest of concepts (been doing it since biblical times) but the hardest to implement and even hard to run aside from being virtually impossible for the Layman to understand.

• In Florida: As of November 2025, the average entry-level salary in Florida is approximately $98,524.
• Mid-Level Salary: $150,000–$200,000 for those with 5–10 years of experience and credentials like ACAS or FCAS.

I will say that Florida could have had better building codes years ago. Let's face it. Hurricanes hit the state. And rebuilding is very expensive. We build in flood plains or zones and of course on barrier islands.

 

[Edgetho]

I will say that Florida could have had better building codes years ago. Let's face it. Hurricanes hit the state. And rebuilding is very expensive. We build in flood plains or zones and of course on barrier islands.

We did.

When Hurricane Andrew came through and hit the southern part of Miami and through Homestead......

Huge swaths of Houses were destroyed by the wind. Unless you've been in it or seen it up close, you can't imagine the power of a Hurricane and, worse yet, is its intensity and worse than that -- It's Longevity.

You've all been in winds that gusted to 75 - 80MPH. You know what that's like. But Hurricane/wind strength goes up geometrically. A sready 120MPH wind isn't twice as strong as a 60MPH wind, it's more like 5 times as strong. Especially when it hits you steady... No let up. Just 120MPH winds hitting you in the face for Hours. Not seconds or even minutes -- Hours.

I saw it in Miami...... One side of a street would be wiped out. It looked like the aftermath of a 2,000 Bomber-Raid in WW2 Berlin.

The other side of the street would be -- Fine. Minor damage, some Pool Enclosures taken down, ALL the Tiki Huts (Hope they saved the Rum Runners) some shingles torn off here and there along with Soffit, Fascia but nothing super major. The roofs were intact, etc.

Know why? Take a guess....

The Builders in Subdivisions, Pulte Tool Bros even USHome. They had their own inspectors, their own Supervisors. They built to THEIR Code, which was basically County Code and didn't rely on the County.

Imagine that

It's different now. They're super strict now and they will NAIL YOUR ASS if you don' tfollow code.

 

[westwall]

Basically yes. It's a well formed socialized healthcare system that works. It's not just Trump. He doesn't even know anything about how it works. He relies upon experts in that field. I know it, they know it, and now you do too.

If it works so great why did the author of the program stipulate that it required stupid people to vote for it?

You must be one of those he required.

 

[Fort Fun Indiana]

If it works so great why did the author of the program stipulate that it required stupid people to vote for it?

You must be one of those he required.

You tell us, genius.

And also tell us why you called him the author, despite the fact that he wrote exactly zero parts of the bill.

Then you can explain why he also continues to say the country is better off, for Obamacare.

And, go.

 

[dudmuck]

If Obamacare was so great, why does it have to be subsidized?

Answer:

Because Obamacare was not so great.

it was a computerize because single payer was unacceptable to some.