Biden, as part of the 2022 Inflation Reduction Act, largely resolved these problems, reducing maximum premium payments (net of subsidies) and eliminating the cliff at 400 percent. The result is to make health insurance coverage substantially more affordable, especially for middle-income Americans who previously earned too much to be eligible for subsidies. Hence the surge in marketplace enrollments.
It’s my understanding that the individual mandate requires people to buy health insurance from private companies, this means those companies can thrive while offering terrible coverage for high costs without any chance of losing business because of their shady practices. This sounds to me like a plan that a conservative would concoct if they really wanted Laissez-faire / croney capitalism but wanted to placate the left by making it sound like this was entirely government funded.
If this is true, it’s a win-win for the right. Keep it in place and the private medical companies are secure to maintain high profit margins surreptitiously. If it fails, blame the left and you get an easy justification for going back to having no government involvement at all whereby less people pay monthly because there is no individual mandate but the private medical companies are free to charge even more to the people who do pay and when those that don’t pay need medical treatment (everyone eventually in their lifetime) they can charge an arm and a leg and laugh all the way to the bank while medical debt for citizens skyrockets. The best part? If this plan is put in place carefully enough and messaging is carefully crafted, you’ll get nominally left people advocating for it!
Am I wrong?
You’re not wrong. Moderates are in full on denial about how shitty Democrat politicians are and they’re too fucking cowardly to support any ideas to address it.
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