Who is making all of the money off of this deal? The rich or the poor?
The upper middle class is paying more to subsidize the lower middle class and all the money is going to people that are rich enough to self-insure.
That's the irony of the Progressive agenda. Every time they talk about helping the poor and the middle class they screw a few rich people, scads of middle class people, most of the poor, and protect a different set of rich people. All while the parts of the government they like get bigger and bigger.
MANY people on the low end of the economic scale are truly helped with the ACA. By my estimate, it's about 2 million, with a cost I estimate to be around $9 Billion per year, and that's a very good thing. This is the core of the "success" of the ACA. It would've been much better to just commit this sum (which amounts to a rounding error of the defense budget) to provide direct subsidies to the group they could help. There was no need to destroy the private individual major medical market to do this.
Other tweaks to the existing system that are now implemented would have been much easier and much cheaper. Expanding eligibility to 26 year old "children" would have been easy, and expanding funding for Medicaid could have been also accomplished (the current rules are terribly byzantine - typical government) for much less money by simply providing a risk corridor for insurers and the let the market work. They figured it out with Medicare Advantage, they could figure it out with Medicaid, especially if those two systems were merged. Why do we have two systems that essentially do the same thing? The Federal government operates Medicare and the states operate Medicaid but they do so with grants from the Federal Government and those grants are managed on a granular level.
I used to think that the talk about the ACA being designed to fail was just wacko partisan talk, but then when I had to get my Federal certification to sell insurance from HHS and the only outlet to do so was a website called
https://marketplace.medicarelearningnetworklms.com I was curious. Since I already had my certification to present and enroll Medicare Advantage beneficiaries I was familiar with the government model. The ACA Federally Facilitated Marketplace courses were eerily similar to the Medicare courses I had to take.
The fix is in, folks. Medicare for all is happening regardless of whether the ACA supporters admit it or not. The only problem is that the government spent more than it would cost to buy eHealth.com to put them out of business to run eHealth.com out of business. The goal isn't to have everyone covered for their healthcare needs, the goal is to maximize the size of the government program tasked and funded to provide for everyone's healthcare needs.
This is Amtrak on steroids.