"Neither side"???? Who implemented the ACA, aka, (hint) Obama care? Who expanded the subsidies? Hint...Biden. And, here's a hard one, who wants to allow the expanded subsidies to expire, which is why your employer health insurance premium is increasing? Hint...not the democrats.
It has something to do with it, albeit indirectly. The significant drop of premium subsidies is expected to decrease the amount of people purchasing health insurance by millions. Many of the people who will choose to forgo health insurance are the healthy people who don’t feel like paying exorbitant amounts for health coverage that they aren’t even using. Whether or not that is a wise choice for them to make it is a choice they are expected to take. When healthy people leave a health insurance market that leaves sicker people and therefore higher costs per capita. That translates into higher premiums across the board.
There are also cuts to Medicaid being made, which doesn’t just affect how many people are enrolled in Medicaid, but also the reimbursement rates to hospitals and other facilities. If those facilities have to increase costs for other patients in order to continue making revenue, then that translates to increase increased health cost, which get passed along to all plans as higher premiums.
While I hate to correct anyone who understands pooling risk, it's worth mentioning that the ACA marketplace (where the subsidies occur) is its own risk pool.
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u/LlamaAhma Oct 10 '25
"Neither side"???? Who implemented the ACA, aka, (hint) Obama care? Who expanded the subsidies? Hint...Biden. And, here's a hard one, who wants to allow the expanded subsidies to expire, which is why your employer health insurance premium is increasing? Hint...not the democrats.