Tuesday, November 11, 2025

Trump's new concept for health care insurance. Pay retail and get less for your money..

 Trump has a concept for health care: send consumers a couple of thousand dollars toward their health care costs. Nutty and stupid. "This is, unsurprisingly, nonsensical," Sen. Chris Murphy (D-Conn.) posted on X. "Is he suggesting eliminating health insurance and giving people a few thousand dollars instead? And then when they get a cancer diagnosis, they just go bankrupt?" Trump says cut out the middleman (meaning ACA), and take federal money, and find your own, and then, red flag warning. pay full retail price and any shortfall? To whom? Of course, the insurers.

The insurers would really like this one. These insurance companies could now charge as high retail rates as they can get away with for individual purchasers and screw those with pre-existing conditions, or refuse to insure anyone with pre-existing conditions, and then offer less preventative care for more bucks. That's just like it was before Obamacare, only now you would have some money from the feds to buy your own. Insurance companies could now make off like bandits with nothing to stop them from gouging their customers with less coverage for more money. and the insurance companies will be thanking Trump on the way to the bank..They are exempt from anti-price-fixing laws, so any open-market competition would not drive down prices. This is Trump's deal that takes the place of group rates with large pools to spread around risk like Obamacare offered, and without insurers having to bid against competitors, meet the required preventative care coverage, to be offered in the state marketplace.

The ACA was designed to do the major things: cover the afforbility gap for those who did not get insurance from employers, Medicare, Medicaid, but the cost of private insurance was too high for their income level (subsidies are based on income level; a kind of means test), to spread risk around (the pool) so those with pre existing conditions could get insurance they could afford; and provide affordable access to preventative care and early diagnosis. There are far more efficient and cost-effective plans like Medicare for All out there, but this is what we have now...and the GOP has never come up with anything for a decade. High-risk pools have failed where they were tried, like Colorado did once. Health savings plans have been around for years, but have never worked out. These alternatives failed so badly that they led to Obamacare/ACA, which is less than perfect but at least addresses subsidies based on need and covers pre-existing conditions and preventive care.

Such a benign wannabe despot, Donald Trump, is: zap.$2k to pay oops on tariffs to all but the rich, and a couple of thousand so you can pay more for worse health insurance. Budget hawks in his party must be getting ulcers.. So you think a couple of thousand dollars, a one-time gift from the US Treasury, like Trump proposes, will make a difference?

That "oops, we screwed up so here's some bucks", worked during COVID as a political plus, but this Trump concept is different. It is a political trick to get the GOP through the 2026 midterms that does not do anything to fix the long-term damage to health care affordability. This "such a deal" is no more than a band-aid without adhesive, and half covering a wound. COVID would end; your needs for affordable health insurance will not. I predict this Trump concept will have an early death.


Monday, November 10, 2025

Democrats do have their act together if they just realize it and communicate it

 In the wake of the shutdown's ugly ending and griping by Democrats,"... when will Democrats ever get their act together.".."Schumer must go"...etc...the Democrats have an act together if they would just realize it and communicate it. The old saying is still true: all politics is local, but there are two themes voters can recite by memory: Make health care and cost of living more affordable; restore and defend Democracy. These are the two issues that all Democrats can subscribe to, and nearly every plank in a platform fits into one or the other, or even both. Affordability (tariffs, labor shortages, inflation, restoring ACA subsidies). 2) pro Democracy: (ICE thuggery, acting like a dictator, and a King. defying laws, white Christian nationalism, end cronyism and corruption, cruelty, and so much more, such as restoring balance and separation of powers, and honoring the rule of law and due process). There may be local issues that have gotten locals up in arms. In the midterms, when elections are by House district and some Senate seats are up in state races, raise those local issues, like getting the military off our streets. Adapt them, take a few examples, and tell how and what you can do to fix it. No laundry lists are needed but examples and a few details will do.

Thursday, November 6, 2025

Killing off OBAMA care: GOP's stubborn subversion plan: remove subsidies

Update 11/10/2025: The vote yesterday, with the assistance of 8 Democratic senators who broke ranks, has some logic, but it also left Democrats without any leverage to secure funding for Obamacare next year. (Clearly, the GOP was not going to cave on Obamacare, so throw in the towel before people are hurt even more by the shutdown and Dems get the blame; quit while we are ahead) However, Democrats may have lost the battle, but they have a great chance to win the war. Democrats have at least laid the groundwork for a winning message in 2026.. making it clear who is responsible for destroying the only plan that makes affording insurance possible for those not covered by Medicare, Medicaid, or employers' insurance. The GOP has no plan...and their vote at least will be clearly recorded (in December on Obamacare subsidies), if the GOP leadership permits it, (no guarantees, there), leaving even more certainty that the GOP does not care a fig about their well-being.

Why the GOP is so obsessed with depriving needy people of access to health care is beyond me.. I have thought that the best thing that could happen politically for Democrats in 2026 is for each GOP Congressperson to be on the record with their vote on this issue in December. The "deal" struck by the eight Democrats to end the shutdown did not guarantee a vote on the ACA would even be taken. (Update: Speaker Johnson confirmed that in comments 11/10/2025; no guarantee there will be a vote) The pain caused by those hurt will be real and palpable, and angering. The tragedy will be that those needing health care will either go bankrupt or suffer if they are hit by a health crisis because they are insurance-naked until the Democrats take over the House and Senate in 2026. That the GOP also heartlessly used Snap as a political chip and the suffering of public employees not being paid, just adds to their reputation as cruel in their pursuit of favoring the rich.

The concepts floating out there in December will be Medicare for All (my choice), high risk pools (never worked where it has been tried) and bribing voters with money up to $2k in a useless health savings plan that does not cover anyone with a catastrophic illness or insurance price hikes on those with pre-exisitng condiitons, or just put it in their bank accounts to spend on whatever. (Trump's idea): pay more get less.MUFTIC FORUM BLOG: Trump's new concept for health care insurance. Pay retail and get less for your money..

The ACA was designed to do the major things: cover the afforbility gap for those who did not get insurance from employers, Medicare, Medicaid, but the cost of private insurance was too high for their income level (subsidies are based on income level), to spread risk around (the pool) so those with pre existing conditions could get insurance they could afford; and provide affordable access to preventative care and early diagnosis

So if you have sticker shock when they found what the GOP has done to their health insurance affordability in 2026, and are thinking of going insurance naked until and if subsidies are restored. If so, get your annual physical before the first of the year, and mammograms and other expensive preventive measures before then, too. Likewise, move up any surgeries you can. I you have pre-existing conditions, lots of luck in finding anything you can afford. At least if you can get catastrophic insurance, do...and be prepared for humongous deductibles if anything major arises.. Got any young adult kids on your AKA insurance? Tough luck, kids. This is what going naked without AKA insurance means because you cannot afford the premiums. If you live in a rural area, pray your nearest ER is not shuttered. Also, be prepared to pay the ER charges for a visit. If you get put in the hospital, best of luck on paying off the bills.

Continuing with original post:

Those killing off Obamacare are from those states that need it the most. These GOP-controlled states ought to look after improving the health of their citizens, and instead, they are making access to good health care even more unaffordable. This map is damning: those with the worst life expectancy are mostly red states.

[OC] U.S. States by Life Expectancy at Birth in 2018-2021 : r/dataisbeautiful

The stubbornness of Trump and the GOP refusing to reverse themselves on Obamacare subsidies is puzzling, unless you view it in some context. Ever since John McCain blocked its death, the GOP has been trying to kill it off in some other way. They have found it: remove its subsidies so that it is unaffordable to anyone who is not wealthy. It is a mantra and it is very popular.ACA marketplace premiums are set to rise sharply in 2026—with median filings showing increases of ~15–18%, the highest since 2018. The victims are predominantly those who can no longer afford preventative care and even visiting a doctor when diseases are or could be diagnosed and treated can cause going bankrupt. The irony is that those states (NM excepted) with the lowest life expectancy are glaringly obvious: mostly red states: l. The GOP may think they are killing off hated socialized medicine and protecting big pharma and big insurers, but what they are doing is killing off more of their own constituents who need affordable health care, not less..

MUFTIC FORUM BLOG: The Democrats' making healthcare the issue in the shutdown may have unintended consequences

The ACA is not the best system for providing subsidies for health care access, but it is the only one we have, and there is no concept of a plan on the GOP's list of concerns or agenda. What this strategy of killing it off by removing subsidies is doing, making even their core supporters suffer, will eventually lead to desperation by their own voters and lead to what the GOP dreads most: Medicare for All. That or something similar can cut out the middlemen, share costs with the largest base of participants, and force big pharma to compete for business through a government process for all health care, depending on the details of the Medicare for All system. Obamacare (ACA) has filled in the gap between Medicaid and employer-provided insurance and made it possible for the self-employed to get insurance subsidized based on income and ability to pay.
However, this is not evidence that the Affordable Care Act “is failing.”
The data show that these increases stem primarily from rising medical costs, Republican-driven policy instability, and state-level refusal to expand Medicaid—not the ACA’s design..Following the map graphic are footnote data sources used for this conclusion.
  1. Premiums are rising because Republicans destabilized the market.
  2. Republican-led states blocked Medicaid expansion, raising costs for everyone.
  3. Corporate favoritism worsened cost inflation.
  4. Democrats stabilized and expanded coverage.


  • “Premiums aren’t going up because of Obamacare — they’re going up because Republicans never stopped trying to break it.”
  • “In states where Republican leaders blocked Medicaid expansion, working families pay more for coverage.”
  • “When Republicans side with Big Pharma and hospital monopolies, middle-class Americans pay the price.”


  1. KFF: Why ACA Premiums Are Rising in 2026 (Aug 2025)
  2. KFF: Preliminary Rate Filings Show Largest Increases Since 2018
  3. AJMC: ACA Premiums Up 26 % Before Subsidy Expiration
  4. CBPP: Medicaid Expansion & Coverage Gaps
  5. HealthCare Dive: ACA Plans Could Spike in 2026

 


Tuesday, November 4, 2025

Is NO Kings a political movement yet? Yes.

 When does a political organization or spontaneous protest rise to a political movement? Has NO KINGS reached the level of being a movement comparable to and in opposition to MAGA? Yes. It meets the definition and is similar to others in scope and size.  Per Google AI: "A political movement is an organized effort by a group of people to promote, resist, or change political and social conditions." Elements of a political movement include organized action, shared goals, tactics such as protests, demonstrations, boycotts, lobbying, political campaigns, and creating public awareness, and a common identity.  NO KINGS meets the definition, for sure, but how big and how effective are also elements to consider.  My own view is that to be a movement, it must be outside a political party structure, though political parties can participate.  I would add the element of being large enough in size and scope to effect change. NO KINGS is close to meeting that more restrictive definition, as well.

Some of that rise of NO KINGS to a movement status is due to the fact that the established Democratic party has no single voice or even a unified direction to counter MAGA. It has failed the leadership test.  NO KINGS has stepped into the void. A wide variety of organizations are partners in NO KINGS, with the prime leadership by Indivisible and 50501, coordinating and training leadership in peaceful protests and mass demonstrations.. That NO KINGS is primarily a pro-democracy/anti-autocracy movement is their common identity.

 Per some political scientists,, 3.5 % of the population must be engaged in protest to cause regime change.. Seven million turned out in October; around 11 million would be effective enough to effect regime change, and as the midterms for Congress  are still a year away, that is quite possible to show that kind of strength. Americans Continue To Build a Peaceful Mass Movement To Force Trump Administration Changes - Center for American Progress 

Poll: Americans approve NO KINGS protests v MAGA: Americans approve of No Kings protests by 16 points(49-33), Trump approval 39% with 20% approval among Gen-Z: Economist-Yougov : r/fivethirtyeight

  I have been a skeptic that the political science approach to political advocacy is a winner. This is despite the fact that I am motivated by being pro-democracy, anti-autocracy, and a political science major, and a life of political involvement and a junkie with hands-on experience with autocracies and dictatorships. That the concept of democracy under attack would get so many off their couches has surprised me.. I still think, in the very short term, pocketbook affordability issues will be the determining factors in the 2026 midterms.

 However, in the long term, NO KINGS is by far the more important movement. The reason? The people can complain all they want about government policies hurting their ability to live an affordable life, but if they lose democracy and support a dictator or one-party rule that tramples First Amendment rights, they have lost their ability to affect the very pocketbook issues that bug them. Instead of government of, by, and for the people, in an autocracy it becomes a government of, by, and for the autocrat —or one-party rule —and how much they are concerned about those they govern depends on how much people contribute to the autocracy gaining and staying in power. Otherwise, those they govern only get the news that favors the autocracy, and opposition ideas and activists are suppressed by whatever means and power the autocrat has. Once in full control, it is nearly impossible for people to dislodge. So far, MAGA and Trump are not quite there yet.  An autocracy can most easily be stopped early in its efforts to seize control. That is where MAGA is now and why 2026 and 2028 are the last chances for NO KINGS to stop it. Republicans are ridiculing ‘No Kings.’ A striking new poll shows Americans aren’t laughing | CNN Politics

MAGA is definitely an example of a political movement...a few democrats, some independents and and many registered Republicans who are loyal to Trump with near cult like adoration and are devoutly supportive. Whatever Trump says goes, whatever he does is OK if it advances whatever drives those who share his values. In my own view, it is primarily racially driven by the prospect that white domination will soon be replaced by multicultural racial demographics. MAGA is so focused on cleansing the country of "people they do not deem to be like them," manifested by the immigration issue, that it is racial more than any other single issue, pocketbook, or sociological class and peer pressure. In 2024, the racist, "pro-lifers," and homophobes made cultural issues their mantra and won. In 2026 and 2028, that is no longer the top of anyone's political issue list, I have seen in polls. 

Trump did not invent MAGA, other than giving it its name as a political slogan, Make America Great Again ("again" back to which date undefined or openly stated by its members ).  He has, however,  exploited the racist nautre of many for political and personal advantage, from his days of media and TV, from opposing the Central Park Five,  Birtherism against Obama, the Golden Escalator, Charlottesville of some very fine people are neo Nazis, and unleasing paramilitary ICE and Border Control to kick out of the contry more than those who were criminals (other than being undocumented which at best is only a misdemeanor).  The figures are hard to grasp, but somewhere around 60% of those in ICE detention have no criminal record or warrant, and have some degree of legal status; it is quite OK for the MAGA adherents. 

Trump's top advisors are radical extremists and ideologues on immigration policy (Stephen Miller) or in rolling back government to the pre-1930s depression era, wiping out any vestige of the New Deal, social security, food assistance, and medical care with affordable access(Russell Vought). Both are adherents of white Christian nationalism ideology and bent on destroying any governmental priority or reference to diversity, equity, and inclusion (DEI). MUFTIC FORUM BLOG: What if it is true: Trump's got dementia as some claim

There are MAGA voters who are fellow travellers who are not the hard core and maybe "squishy".  There is a segment of GOP adherents who are the business- self-interested side seeking low taxes and deregulation, willing to lend support to the movement, and some others who are traditional Republicans who could never vote for a Democrat, but they are not in the hard core and could be motivated to stay home on election day or actually vote for the Democratic candidate in 2028. tHIS  is the ground where MAGA and NO KINGS will be duking it out to gain or keep political power.

How justified are NO KINGS in opposing Trump's regime as autocratic? One MAGA supporter on another FB site called it "concocted". Here is my FB response:

 This is an extremely important editorial from The New York Times. It cites ten markers of what ends democracy and becomes a country ruled by an "authoritarian"based upon the study and history of authoritarians.. It makes a case of whether we are there already or it is in process. The general gist is that if we are not yet fully there in some markers, but in others, he has already done it. Please take this seriously. I am. I am gifting this for you to read. The 12 markers and reasons for it are graded by whether we are on the way, have started, and to what degree, or are already there. For the reasons and evidence regarding each of these markers, go to the text of the editorial itself: I have gifted it and hope you can access the full text. https://www.nytimes.com/.../trump-autocracy-democracy...? I like this approach because it is based on what Trump has done or tried to do, is devoid of inflammatory language, and is grounded in facts and examples. Here is a summary by marker headings.

Of the markers of Democacy's demise in terms of what markers of authoritarianism Trump has already accomplished are
-persecutes political opponents
-declaress national emergencies on false pretenses
-vilifies marginalized groups
-creates a cult of personality
-uses power for personal profit
Of the authoritarian markers Trump has already started and yet to have fully accomplish:
-stifles dissent and speech
-bypasses the legislature
-issues military for domestic control
-defies the courts
-controls information and the news media
-tries to take over universities
-manipulates the law to stay in power

FROM GOOGLE AI:

A political movement is an organized effort by a group of people to promote, resist, or change political and social conditions. These movements are driven by a shared ideology and use collective action to achieve goals like promoting rights, reforming government, or seeking social and political change. Examples include the Civil Rights movement, the women's suffrage movement, or the environmental movement, which use various methods from protest and lobbying to elections and advocacy. 
Key aspects of a political movement
  • Organized action
    Movements are not random events; they involve people working together with a shared purpose. 
  • Shared goals
    The objectives are to either change the status quo or to preserve existing political and social structures. 
  • Methods
    Tactics can include protests, demonstrations, boycotts, lobbying, political campaigns, and creating public awareness. 
  • Collective identity
    Members of a movement often share a common identity and a belief that they are working to address a common problem. 
Examples of political movements
  • A movement that sought to end racial segregation and discrimination against African Americans through nonviolent protests and civil disobedience. 
  • A movement that fought for women's right to vote. 
  • A movement that works to address environmental issues such as pollution, climate change, and conservation. 
  • A movement that advocates for the rights and acceptance of lesbian, gay, bisexual, transgender, and queer people.