Who will lose out when ACA health insurance subsidies expire?

[Lesh]

Another person who doesn't know the difference between healthcare and heath insurance.

If you’re trying to claim that healthcare in the ER is actually healthcare

You’re either insane or dishonest ,

Because without insurance that is all you have

 

[Lesh]

No, I was just responding to the non-factual information that was posted. Illegal's healthcare does in fact get subsidized by taxpayers.

As for the ACA enhanced subsidies, they were set to expire by the Democrats because they were meant for COVID relief. Now they want them made permanent even though COVID is long gone. Sorry, but people managed before COVID, they can manage again once these EXTRA subsidies expire.

Well they’re going to “manage” with their premiums doubled.

Which means most of em are fucked

 

[Rambunctious]

"Some 22 million Americans are set to lose health insurance subsidies by the end of the year. Who are they, and what will happen if the subsidies are allowed to expire?

These subsidies, known as enhanced premium tax credits, lower costs for people who buy their health insurance through Affordable Care Act (ACA) marketplaces (sometimes called Obamacare). They are at the heart of a weeks-long standoff that has shuttered the federal government since Oct. 1. About 80 percent of the people who benefit from them live in states that Donald Trump won in the 2024 presidential election. Many have no idea that their health insurance costs are on track to go up.

Who benefits from the tax credit?

Almost everyone who got their health insurance through an ACA marketplace in 2025 received the enhanced premium tax credit, so describing the people who have ACA plans is a good way to get a sense of the people who get the credit."

Who will lose out when ACA health insurance subsidies expire?

Some 22 million Americans are set to lose health insurance subsidies by the end of the year. Who are they, and what will happen if the subsidies are allowed to expire? These subsidies, known as enhanc...

www.yahoo.com

Trump/Republican voters lose, as usual.

The stupidity of voting for Trump and Republicans.

The stupidity of voting against one’s own interests.

Obamacare ruined our healthcare... we told you it would and it has... just like Obama government student loans... now no one can afford school...
The Magic Kenyan was and is a disaster....

 

[Rambunctious]

Well they’re going to “manage” with their premiums doubled.

Which means most of em are fucked

Blame Obama.... you can't thread a needle with a rope....
But the stupid Kenyan did it anyway and its caught up with us....

 

[Lesh]

Blame Obama.... you can't thread a needle with a rope....
But the stupid Kenyan did it anyway and its caught up with us....

That’s just stupid.

Shit up

 

[Cougarbear]

If you’re trying to claim that healthcare in the ER is actually healthcare

You’re either insane or dishonest ,

Because without insurance that is all you have

Medicaid dude is government run healthcare. It's not insurance. Insurance is private bought and paid for. That is where illegals get their healthcare from which is paid for by the tax payor. They have great doctors in other countries that will take them. Send the Illegals home and stop using our tax payor dollars on them instead of our citizens.

 

[Rambunctious]

That’s just stupid.

Shit up

 

[SweetTea]

Well they’re going to “manage” with their premiums doubled.

Which means most of em are fucked

If the premiums are doubling, it seems to me that the ACA was not designed properly. Taxpayers and higher earners signed up for the plan having to pick up the tab for a doubling of premiums doesn’t work, particularly since Biden’s ARP added even more people on this clearly unsustainable exchange. What if the premiums quadrupled?

 

[the watcher]

You mean the temporary subsidy the Dims voted to let expire?

 

[fncceo]

Who will lose out when ACA health insurance subsidies expire?​

Not me.

 

[Frankenstein]

Unlikely.

Simpler solution: Medicare for all. **** the for profit insurance companies.

Nope we will pay for it in taxes, while freeloaders freeload

 

[WorldWatcher]

Not me.

Let's think that through.

When you look at ACA market based coverage as a function of age. You have over 87.8% of users between the ages of 18 and 64. Those under 18 represent dependent children and those over 65 move to MediCare. Somewhere in the neiborhood of 20-25 million Americans.
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So when you have large numbers of people become uninsured what are the likely outcomes.
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#1 The number of uncompensated claimes increases. With ACA about 41%, of American carry medical debt, meaning many - a great many - are carrying medical debt even with having insurance. 65-70% of bankruptcies are tied to medical debt. With huge increasess in premiums the number of uninsured will greatly increase, with more people with substandard or no insurance the amount of medical debt and medical related backruptcies will likely increase.
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#2 When there are uncompensated medical care, for uninsured, underinsured, or that is discharged throug bankruptcy, that "uncompensated" amount falls back on the hospital and medical professionals that provide the care. If people can't pay the bills, the money dosen't just magically appear in the hospital and/or medical professionals books. The uncompensated costs are, and will be factored, into the costs of care has part of the overhead and applied to those that can pay either out of pocket or through insurance plans. That distribution of uncompensated costs increases the costs for everyone.
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#3 The premise behind insurance is that if you increase the pool of coverage, the costs of deliving health care to an individual are spread out. When you reduced the pool, especially when you squeeze out the younger healthier portion of the pool, the risk spreading is reduced and actually concentrated in those that have health issues (disabled, cronically ill, cancer patients, etc.) meaning the smaller pool if being used to cover higher cost (on an individual basis) individuals. Cost go up for those that remain in the pool.

And this isn't just the ACA "pool". Uncompensated care impacts not only the costs of providing care to ACA market place participants, it impacts the cost of employer insurance also. When uncompensated care is factored in by hospitals and medical professionals, that inheretly increases the cost of ALL plans.
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#4 Reduced access to care. An increase in uncompensated care, increases cost to hospitals and providers so what would the result of that be? No one can tell right? Incorrect, as uncompensated costs increase hospitals and care providers are squeezed out from delivering care. Hospitals can operate at a loss so for provide centers are closed, reducing access mostly to rural communities. That means to maintain any semblence of care, a greater strain is put on local communities and state resources to try to maintain some access to public option health services. So as private hospitals close, taxes go up to help fund the strain being placed on public resources.
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So to think that millions becoming uninsured doesn't impact them, I posit that it incorrect.

WW
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Marketplace Plan Selections by Age | KFF State Health Facts

State level data on Marketplace Plan Selections by Age from KFF, the leading health policy organization in the U.S.

www.kff.org

 

[Crepitus]

Nope we will pay for it in taxes, while freeloaders freeload

 

[dudmuck]

View attachment 1175746

 

[kyzr]

Let's think that through.
When you look at ACA market based coverage as a function of age. You have over 87.8% of users between the ages of 18 and 64. Those under 18 represent dependent children and those over 65 move to MediCare. Somewhere in the neighborhood of 20-25 million Americans.
So when you have large numbers of people become uninsured what are the likely outcomes.
.
#1 The number of uncompensated claims increases. With ACA about 41%, of American carry medical debt, meaning many - a great many - are carrying medical debt even with having insurance. 65-70% of bankruptcies are tied to medical debt. With huge increases in premiums the number of uninsured will greatly increase, with more people with substandard or no insurance the amount of medical debt and medical related bankruptcies will likely increase.
.
#2 When there are uncompensated medical care, for uninsured, under-insured, or that is discharged through bankruptcy, that "uncompensated" amount falls back on the hospital and medical professionals that provide the care. If people can't pay the bills, the money doesn't just magically appear in the hospital and/or medical professionals books. The uncompensated costs are, and will be factored, into the costs of care has part of the overhead and applied to those that can pay either out of pocket or through insurance plans. That distribution of uncompensated costs increases the costs for everyone.
.
#3 The premise behind insurance is that if you increase the pool of coverage, the costs of delivering health care to an individual are spread out. When you reduced the pool, especially when you squeeze out the younger healthier portion of the pool, the risk spreading is reduced and actually concentrated in those that have health issues (disabled, chronically ill, cancer patients, etc.) meaning the smaller pool if being used to cover higher cost (on an individual basis) individuals. Cost go up for those that remain in the pool.

And this isn't just the ACA "pool". Uncompensated care impacts not only the costs of providing care to ACA market place participants, it impacts the cost of employer insurance also. When uncompensated care is factored in by hospitals and medical professionals, that inherently increases the cost of ALL plans.
.
#4 Reduced access to care. An increase in uncompensated care, increases cost to hospitals and providers so what would the result of that be? No one can tell right? Incorrect, as uncompensated costs increase hospitals and care providers are squeezed out from delivering care. Hospitals can operate at a loss so for provide centers are closed, reducing access mostly to rural communities. That means to maintain any semblance of care, a greater strain is put on local communities and state resources to try to maintain some access to public option health services. So as private hospitals close, taxes go up to help fund the strain being placed on public resources.
.
So to think that millions becoming uninsured doesn't impact them, I posit that it incorrect. WW

Thinking it through "politically".
If Republicans let the subsidies expire, democrats trot out their commercials with someone dumping granny over the cliff. Saying to elect democrats and they will make health insurance affordable again.
Will that get wins for them in 2026 or 2028? Who knows.

If Republicans negotiate "pay-fors", such as the DOGE savings, or other high priority GOP cost cutting measures that cover more than the subsidy, that could be a win, call it TRUMPCARE.

Fixing SS and Medicare could even be part of the deal. That should seal the deal for Republicans in 2026 and 2028.

If democrats don't play ball, Thune should go nuclear.

 

[struth]

If you’re trying to claim that healthcare in the ER is actually healthcare

You’re either insane or dishonest ,

Because without insurance that is all you have

Well yes it is healthcare

And since the passage of Obamacare visits have increased.

 

[Lesh]

Well yes it is healthcare

And since the passage of Obamacare visits have increased.

The ER will keep you alive… today

That is all

That’s not healthcare

 

[struth]

The ER will keep you alive… today

That is all

That’s not healthcare

Keeping you alive isn’t healthcare??? What???

 

[22lcidw]

The ER will keep you alive… today

That is all

That’s not healthcare

People use the ER as healthcare. And they use the cities medical wagons as taxis to get there in ghettos or lower income areas. They will go there endlessly. They believe that they will get serviced fast any many do not know what triage is. There are clinics also. Those clinics you can sit for many hours even if not triaged.

 

[Lesh]

Keeping you alive isn’t healthcare??? What???

It’s truly shitty healthcare

Tell me that’s why you use… Ghead