General Discussion

Arazi

(8,639 posts)

46. The sudden and dramatic price increases on Jan 1 will cause some percentage to drop coverage

Tue Nov 25, 2025, 03:44 PM

Nov 25

Estimates are as many as half of those currently on the ACA will not be able to afford coverage at all in 2026.

The only way the ACA works at all is if there’s many millions of Americans spreading the risk. The smaller the risk pool the more the marketplace shrinks as more insurers opt out. Remaining insurers must raise prices to cover the costs of the few(er) that remain. There are some markets that literally only have one insurer left. If more Americans leave the marketplace it will contract even more severely.

Vicious cycle until more (many? Most?) regions are left without any insurers on the marketplace.

You’re right that the ACA is an expensive bandaid but nobody's come up with a better system that covers such a vast pool of Americans (except M4A but Congress refuses to consider that. Ever.)

My assumption is Dems hoped they’d have control of/more leverage to face this situation in 2025 when it was put in place because of Joe Manchin. They gambled and lost.

Back then and now.

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edhopper Ruby the Liberal Karma13612

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There will be no vote on ACA subsidies [View all] edhopper Nov 25 OP

We are ALL gonna be affected when ACA goes away Attilatheblond Nov 25 #1

the thing is Hieronymus Phact Nov 25 #16

Yep, and they will denying a LOT more claims with ACA regulations gone Attilatheblond Nov 25 #27

Honest question because I don't know the answer InstantGratification Wednesday #79

My understanding is they want the ACA to just go away. Big Insurance donates bigly. They want no regulation Attilatheblond Wednesday #80

There was NEVER going to be a vote. Surprise surprise. B.See Nov 25 #61

It seems that everyone knew not to trust Republicans but 8 Democrats. Lonestarblue Wednesday #78

Don't despair Easterncedar Nov 25 #2

I sure hope so, sooner rather than later. ananda Nov 25 #13

I have not seen a single Repuke edhopper Nov 25 #17

Quitting... Chemical Bill Nov 25 #30

DURec leftstreet Nov 25 #3

They will pay big time in the midterms if the subsidies aren't reinstated. They eventually will be. everyonematters Nov 25 #4

When edhopper Nov 25 #19

Exactly! (n/t) OldBaldy1701E Wednesday #75

I was under the impression that Repuglicans legislated their pain Dr. T Nov 25 #26

Dems need to insist both the enhanced subsidies and the penalties be reinstated in order to keep the government funded MichMan Nov 25 #56

The dems can raise the ACA from the ashes but it will be better if they created universal health care and left in2herbs Nov 25 #5

bravo markie Wednesday #77

Come back in January and see if that is still true. Fiendish Thingy Nov 25 #6

And millions will lose their healthcare in the process. BannonsLiver Nov 25 #18

So people will spend a year edhopper Nov 25 #21

You missed my point entirely Fiendish Thingy Nov 25 #38

I don't believe anyone missed your point MerryBlooms Nov 25 #73

Dual citizen living in Canada Fiendish Thingy Wednesday #74

Just being born is a Pre-Existing condition. ProudMNDemocrat Nov 25 #7

Told ya. Told ya. Told ya Arazi Nov 25 #8

Well Mossfern Nov 25 #9

I'm so sorry. Hopefully someone will come to their senses. Scrivener7 Nov 25 #11

For a whole lot of people. OldBaldy1701E Wednesday #76

The 8 Dems seem to think that by rolling over and playing dead, they'll get concessions, even though it's never worked Fil1957 Nov 25 #10

Lucy and the football syndrome, definition of insanity, take your pick. bluesbassman Nov 25 #14

They got edhopper Nov 25 #22

They got a promise Turbineguy Nov 25 #60

They should have known edhopper Nov 25 #64

It will hobble for now IbogaProject Nov 25 #12

"Enhanced Premium Tax Credits" Shermann Nov 25 #23

She knows. GentryDixon Nov 25 #15

But didn't Jean Shaheen look in John Thune's eyes and know, YodaMom2 Nov 25 #20

I am still so angry about this. SaydiTom Nov 25 #24

Here's why I believe "the odious eight" caved. cer7711 Nov 25 #25

It doesn't look good but there is a small chance Jspur Nov 25 #28

Traitors jaymac Nov 25 #29

Democrats should have taken a stand back in March gab13by13 Nov 25 #31

You are correct, the problem was, in march no one could believe how bad the bill was questionseverything Nov 25 #33

The BBB bill had nothing to do with the enhanced subsidies of the American Rescue Plan expiring MichMan Nov 25 #57

It did nothing to fix the situation though questionseverything Nov 25 #65

Ya saying They spread False Hoods???? Traildogbob Nov 25 #32

If we kept the government shutdown, the only difference from now would be the continued cruelty to the federal workforce tritsofme Nov 25 #34

The collection companies and hospitals will love the elimination of the subsidies. LiberalArkie Nov 25 #35

Rural hospitals will end up closing, gab13by13 Nov 25 #36

+1. And the area will lose professionals, schools, restaurants, gas stations, young people, road maintenance dalton99a Nov 25 #42

Yep, but that does not matter to the wealthy city hospitals, does it? Just less competition. LiberalArkie Nov 25 #45

My little rural hospital will probably have to close Emile Nov 25 #50

Then the government will just be shut down again MichMan Nov 25 #37

All of us will feel this angrychair Nov 25 #39

Hold on! There is supposed to be a Senate vote in the 2nd week of December. nt Exp Nov 25 #40

That won't get passed the cloture of 60 votes edhopper Nov 25 #41

There will be a vote, it just won't go the right way. Groundhawg Nov 25 #43

It won't get the 60 votes needed edhopper Nov 25 #54

it would go the right way Skittles Nov 25 #66

Please explain how this kills the ACA EdmondDantes_ Nov 25 #44

The sudden and dramatic price increases on Jan 1 will cause some percentage to drop coverage Arazi Nov 25 #46

That's the self-insured market EdmondDantes_ Nov 25 #49

When I said edhopper Nov 25 #53

So you didn't mean what you said EdmondDantes_ Nov 25 #72

Meanshile, they are trying to finish off Medicare, and this is getting zero coverage Bluetus Nov 25 #47

Eliminating MA and reinstituting the penalties for not having insurance need to be top campaign issues for 2028 n/t MichMan Nov 25 #58

Penalties? No, thanks. Bluetus Nov 25 #63

Of course not and everyone's premiums will go up. themaguffin Nov 25 #48

And some people will die. Scrivener7 Nov 25 #52

The important thing is that Garland avoided the appearance of a political agenda. Orrex Nov 25 #51

The 8 Dems proved why Americans should never vote for Republicans!! aeromanKC Nov 25 #55

Great - and god knows how many people choie Nov 25 #68

As expected. Why are we smarter D Senators? Bread and Circuses Nov 25 #59

"You Shouldn't Call the Doctor if You Can't Afford the Bills" - Dr. Feelgood DJ Synikus Makisimus Nov 25 #62

Don't worry.. choie Nov 25 #67

Schumer was not of the 8 cavers in the Senate Celerity Nov 25 #69

Sorry you're right. choie Nov 25 #70

Oh yes, I think he was in on the whole thing, and do not forget Schumer and Thune secretly cooked up that provision that Celerity Nov 25 #71