Putting aside the matter of an extension for the ACA tax credits, here's a question for trump devotees.

[Nostra]

Please explain how massive tax subsidies for the "ACA" reduces medical cost inflation.

: crickets: from berg80

 

[berg80]

That? Why don't you ask your tent, they voted for not letting the files be opened

The DoJ has not complied with a congressional subpoena.

 

[berg80]

It's called 'competition'. And the competition doesn't end at the state lines.
A person in Arizona could shop for his/her/their insurance in Virginia.

WTF?

AI Overview

For the 2026 tax year, the Health Savings Account (HSA) contribution limits are
$4,400 for individuals with self-only coverage and $8,750 for individuals with family coverage.
Individuals aged 55 and older can make an additional "catch-up" contribution of $1,000, which is not adjusted for inflation and remains the same as previous years.

2026 HSA and HDHP Limits at a Glance
To be eligible for an HSA, you must be enrolled in a High-Deductible Health Plan (HDHP) that meets specific IRS criteria.

 

[kyzr]

AI Overview
Approximately 60% of people under 65 in the U.S. receive health insurance through their employer.

Also according to AI 37% of people under 65 are covered by the ACA, but numerically its 45m/331m = 13% not 37%
and another 20% are covered by Medicaid, and 9% are uninsured.

So 60% + 13% + 20% + 9% is 102%.
54% + 11 + 18.+ +9 is 92%
This link has reasonable numbers.

Health Insurance Coverage in the United States: 2024

This report presents data on health insurance coverage in the United States in 2024 based on information collected in the 2025 CPS ASEC.

www.census.gov

I hope trump comes up with a subsidy to everyone fairly. The ACA folks should not be the opnly ones to get a subsidy

 

[Winston]

HSA, takes healthcare out of the governments purview and puts it back into the private sector AND 'The People', making their own choices. Free market always wins out.

No, the free market does not always win out. Especially not in Health Care. I mean does it not make sense. Per Capita spending on health care is far higher in the United States than any other country. And the United States is the only developed country that primarily delivers health care through the private market. And no, we do not get superior results, what we do get is what you would expect.

Inequitable access--Those with higher incomes have a longer life expectancy, more than ten years in some cases.

High and unpredictable costs--Well damn, who would have thunk it.

Information asymmetry--Do you have the knowledge to intelligently "shop" for health care services? Most people don't.

Profit motive verses patient needs--denial of service, denial of claims, reduce care, or limiting coverage, all placing profits above patient needs.

Emergency situations--in an emergency, do you "shop" for the cheapest care? Demand for health care is often urgent and highly inelastic. That does not work well for the consumer in a "free market".

 

[berg80]

Would you give him a minute? He's been very busy, but it is on his agenda. We need a solid plan, not one that is rushed together to appease you...

He's had nearly 5 years as prez. How much longer does he need? The fact is, it's not on his list of priorities. But stripping universities of medical research money is.

 

[The Irish Ram]

He's had nearly 5 years as prez. How much longer does he need? The fact is, it's not on his list of priorities. But stripping universities of medical research money is.

It is just one of many things Trump has to fix. And he will.

 

[Winston]

It's called 'competition'. And the competition doesn't end at the state lines.
A person in Arizona could shop for his/her/their insurance in Virginia.

That is naive at best, and down right stupid at worst. Companies can operate across state lines, but, they must abide by the consumer protection laws and benefit mandates of each state they operate in. What Republicans are asking for when they say they want to allow interstate competition is for an insurance company licensed to operate in one state to be able to sell in any state WITHOUT meeting the consumer protection and benefit mandates in those other states.

We have been down this road before. Anyone remember usury laws? The result will be a race to the bottom as states aggressively cut those consumer protections and benefit mandates. I can see Arizona, eliminating the guaranteed Renew-ability provisions found in probably every state. Insurance companies will flock to Arizona and sure enough, they will offer the cheapest premiums in the country. Of course, first time you file a claim, poof, health insurance canceled.

Everyone is constantly yelling about moving around, from blue state to red state, red state to blue state, I kind of like sharing my health care risk with my neighbors, you know what I mean? Not really interested in pooling my risk with some backwater redneck in rural Mississippi that doesn't even have running water. The point being, each state should be a different risk pool because each state has a different health care risk. It has to be that way if you want to preserve the insurance industry.

 

[Meister]

No, the free market does not always win out. Especially not in Health Care. I mean does it not make sense. Per Capita spending on health care is far higher in the United States than any other country. And the United States is the only developed country that primarily delivers health care through the private market. And no, we do not get superior results, what we do get is what you would expect.

Inequitable access--Those with higher incomes have a longer life expectancy, more than ten years in some cases.

High and unpredictable costs--Well damn, who would have thunk it.

Information asymmetry--Do you have the knowledge to intelligently "shop" for health care services? Most people don't.

Profit motive verses patient needs--denial of service, denial of claims, reduce care, or limiting coverage, all placing profits above patient needs.

Emergency situations--in an emergency, do you "shop" for the cheapest care? Demand for health care is often urgent and highly inelastic. That does not work well for the consumer in a "free market".

You sure have a high opinion of the government.
I have a high opinion of government with the military. That's it, can't think of anything else.

Why not wait and see how the HSA will be laid out. HSA does not have just one set of rules.

 

[Meister]

That is naive at best, and down right stupid at worst. Companies can operate across state lines, but, they must abide by the consumer protection laws and benefit mandates of each state they operate in. What Republicans are asking for when they say they want to allow interstate competition is for an insurance company licensed to operate in one state to be able to sell in any state WITHOUT meeting the consumer protection and benefit mandates in those other states.

We have been down this road before. Anyone remember usury laws? The result will be a race to the bottom as states aggressively cut those consumer protections and benefit mandates. I can see Arizona, eliminating the guaranteed Renew-ability provisions found in probably every state. Insurance companies will flock to Arizona and sure enough, they will offer the cheapest premiums in the country. Of course, first time you file a claim, poof, health insurance canceled.

Everyone is constantly yelling about moving around, from blue state to red state, red state to blue state, I kind of like sharing my health care risk with my neighbors, you know what I mean? Not really interested in pooling my risk with some backwater redneck in rural Mississippi that doesn't even have running water. The point being, each state should be a different risk pool because each state has a different health care risk. It has to be that way if you want to preserve the insurance industry.

Obamacare was a race to the bottom, and your tent created it.
And don't give me that universal healthcare is the answer.

Stay tuned.

 

[Meister]

WTF?

AI Overview

For the 2026 tax year, the Health Savings Account (HSA) contribution limits are
$4,400 for individuals with self-only coverage and $8,750 for individuals with family coverage.
Individuals aged 55 and older can make an additional "catch-up" contribution of $1,000, which is not adjusted for inflation and remains the same as previous years.

2026 HSA and HDHP Limits at a Glance
To be eligible for an HSA, you must be enrolled in a High-Deductible Health Plan (HDHP) that meets specific IRS criteria.

WTF? The rules haven't even been stated for what Trump is talking about. You're talking about
what has been in place already, that will change.

 

[debbiedowner]

You sure have a high opinion of the government.
I have a high opinion of government with the military. That's it, can't think of anything else.

Why not wait and see how the HSA will be laid out. HSA does not have just one set of rules.

You in never never land? HSA's have been available many years with a high deductible health insurance plan that is compatible with the HSA.

If you are referring to that hair brain idea pulled out of the air then it's going to take congress to change the existing laws on HSA.

 

[Meister]

The DoJ has not complied with a congressional subpoena.

Congress probably told them to shove it up their ass. I'm sure it was appealed.
The democrats voted against it just a day or two ago.

 

[Meister]

If you are referring to that hair brain idea pulled out of the air then it's going to take congress to change the existing laws on HSA.

Exactly! You are the first lib that even considered that avenue.
It will take actual negotiating from both parties. It's an overhaul
getting away from Obamacare.

 

[blackhawk]

As I recall the ACA, AKA Obamacare was supposed to bring down the cost of healthcare so why does it need an extension of subsidies that were added during covid to do this. If it made healthcare more affordable all letting these subsidies expire would do is take cost back to the already affordable cost that Obamacare had promised.

 

[Winston]

Benefits would need to have an annual limit, and you pay the rest or get "catastrophic coverage".
It's still a mess.

So, you got to have two policies? No, no damn annual limits. No damn lifetime limits either. I mean if it has limits, well it isn't insurance. It is a savings plan--your premium, used to pay your benefits, and the insurance company pocketing a healthy profit in the meantime as "administrator". The insurance company knows it's risk, and with caps, well, they got a backstop. That is precisely how much of the large employers group market works. And those companies will tell you, they are "self-insured", and they are, they are carrying the top side risk.

You do not insure the front side risk. Get that high deductible, you going to get a physical anyway, at no cost. Thank you Obamacare. I mean I know, front side, but preventive care should always be covered at no cost. It just makes common damn sense. And that single provision brought millions of people to the doctor's office. Prescriptions would off the chain, and hundreds, perhaps thousands, of costly procedures were "prevented".

 

[kyzr]

So, you got to have two policies? No, no damn annual limits. No damn lifetime limits either. I mean if it has limits, well it isn't insurance. It is a savings plan--your premium, used to pay your benefits, and the insurance company pocketing a healthy profit in the meantime as "administrator". The insurance company knows it's risk, and with caps, well, they got a backstop. That is precisely how much of the large employers group market works. And those companies will tell you, they are "self-insured", and they are, they are carrying the top side risk.

You do not insure the front side risk. Get that high deductible, you going to get a physical anyway, at no cost. Thank you Obamacare. I mean I know, front side, but preventive care should always be covered at no cost. It just makes common damn sense. And that single provision brought millions of people to the doctor's office. Prescriptions would off the chain, and hundreds, perhaps thousands, of costly procedures were "prevented".

Medical. prices are out of control and healthcare premiums are out of control.

If you have a preexisting condition no one wants to insure you.

How else can you lower premiums except if everyone is insured, and by annual limits like the Swiss have?

 

[Winston]

You sure have a high opinion of the government.
I have a high opinion of government with the military. That's it, can't think of anything else.

Why not wait and see how the HSA will be laid out. HSA does not have just one set of rules.

Look, HSA with a HSA-qualified plan. There is no better option. My preference, high deductible, like fifteen grand, then 100%. Run it with a little critical illness insurance, pretty cheap. But you can go 80/20, or even 70/30--just look at the out of pocket limit and roll with that. If you are young, are even have young adult children, pass it on. First thing you do, max out that HSA, year after year.

I mean when you're young, OMG, wished I would have had it sooner. And yeah, I got some stubborn ass kids, most of them put that HSA last, but they got there. Middle son kind of hammered it on them

 

[Nostra]

He's had nearly 5 years as prez. How much longer does he need? The fact is, it's not on his list of priorities. But stripping universities of medical research money is.

I love how all you whiny fucksticks start all these thread crying that Trump hasn't fixed your clusterfucks fast enough

 

[Nostra]

Look, HSA with a HSA-qualified plan. There is no better option. My preference, high deductible, like fifteen grand, then 100%. Run it with a little critical illness insurance, pretty cheap. But you can go 80/20, or even 70/30--just look at the out of pocket limit and roll with that. If you are young, are even have young adult children, pass it on. First thing you do, max out that HSA, year after year.

I mean when you're young, OMG, wished I would have had it sooner. And yeah, I got some stubborn ass kids, most of them put that HSA last, but they got there. Middle son kind of hammered it on them

Barrycare did away with catastrophic plans, despite Barry telling everyone if you liked your plan you could keep it.

Republicans had to bring them back.