GOP has long supported health savings plans as an alternative to the ACA. This is shambolic, at best, They claim this would give consumers more choice and control, and shortcut the middle man. Consumers are not pining for more choice; they are wanting a plan that is indeed insurance they can afford. ,It they fail to extend the ACA subsidies, it will be ripe fodder for Democrats to win in November 2026 after consumers get the actual sticker shock. The final vote in Congress will take place December 17. Voters will not be fooled when they get their bills for 2026 Obamacare....and many will still be forced to go without insurance because of the premium unaffordability.
The ACA was inspired mostly by a Republican governor, Mitt Gov. Romney of Massachusetts, as an alternative to Medicare to All, popular among some on the left. While it did not help rein in the insurers, it provided a way for the self-employed and those who did not get insurance from an employer to get affordable access to preventive care, coverage of those with pre-existing conditions, and catastrophic illness to receive the care they needed. Subsidies and premiums in the ACA are geared to consumer's income...the lower the income, the more the subsidy, the cheaper the premium. Nothing proposed by health care saving plans comes close to providing the same advantage nor does it do anything to rein in the insurance industry's greed. Health savings plans only give consumers the ability to buy cheap, partial coverage insurance, either catastrophic or inadequate, high-deductible coverage, but not both, at retail, fine-print policies. This assumes consumers can find any insurance on the open market that also cover their pre-existing conditions. That is only music to the insurance companies' ears as they can scrap coverage of those who are sick in favor of those who are already healthy.
In the guise of lowering premium costs, one provision being discussed recently by advocates off replacing the ACA with health savings accounts deceptive and irrelevant. .Instead, this sham GOP bill favors business who can lower costs of covering insurance to their employees by forming cross state alliances.Irony: Obmacare purpose was and isto provide affordable insurance for those who do not get employer's insurance....so this is meaningless and useless to those depending on Obamacare; it's just a plum for business and there is no guarantee business will lower its premiums for employees, either..
Voters will not be fooled when they get their bills for 2026 Obamacare....and many will still be forced to go without insurance because of the premium unaffordability.
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