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Ever since Washington started pouring more money into Obamacare subsidies, premiums have only gone up. Someone making $100,000 can get $13,000 in subsidies, someone making $225,000 still gets $1,500 — and yet costs keep climbing. My Health Marketplace for All Act doesn’t spend a dime. It allows membership organizations... show more

Senator Rand Paul

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I support fully repealing Obamacare and replacing it with true free-market reforms. My Health Marketplace and Savings Accounts for All Act is a genuinely conservative alternative. My plan allows any group to purchase insurance collectively across state lines, letting organizations like Costco, Sam’s Club, or Amazon negotiate for millions of members to lower costs. It also gives every American access to a Health Savings Account. I look forward to working with President Donald J. Trump to get this done.

I support fully repealing Obamacare and replacing it with true free-market reforms. My Health Marketplace and Savings Accounts for All Act is a genuinely conservative alternative. My plan allows any group to purchase insurance collectively across state lines, letting organizations like Costco, Sam’s Club, or Amazon negotiate for millions of members to lower costs. It also gives every American access to a Health Savings Account. I look forward to working with President Donald J. Trump to get this done.

Senator Rand Paul

390,557 Aufrufe • vor 8 Monaten

Since 2011, Democrats have funneled your tax dollars to big insurance companies while you drowned in premiums you couldn't afford and deductibles that made your coverage worthless. Rick Scott and Chairman Rep. August Pfluger's More Affordable Care Act ends their corrupt system by redirecting federal subsidies straight into Trump Health Freedom Accounts you control, letting you shop across state lines, see real prices upfront, and choose coverage that actually works for your family. This is the health care reform Americans have been demanding for 15 years, and it's time to deliver it.

Since 2011, Democrats have funneled your tax dollars to big insurance companies while you drowned in premiums you couldn't afford and deductibles that made your coverage worthless. Rick Scott and Chairman Rep. August Pfluger's More Affordable Care Act ends their corrupt system by redirecting federal subsidies straight into Trump Health Freedom Accounts you control, letting you shop across state lines, see real prices upfront, and choose coverage that actually works for your family. This is the health care reform Americans have been demanding for 15 years, and it's time to deliver it.

Republican Study Committee

13,668 Aufrufe • vor 8 Monaten

Bill Maher gets blindsided as MTG tells him that Obamacare has crushed the middle class. Maher couldn’t believe it. “Obamacare has crushed them? Obamacare is what’s hurt them?” he asked. Greene backed it up with how much she’s paying for health insurance since Obamacare began: “When Obamacare went into place, it took my own family of five’s health insurance policy from $800 a month to over $2,400 a month, more than our mortgage payment. And that’s what so many people have experienced over all these years.” When Maher heard this, he wanted a fact-check and asked Michael Moynihan if Obamacare really raised rates. To this, Moynihan replied: “These subsidies, they don’t do anything to lower costs. I mean, the only thing they do is mask costs,” before explaining that he’s paying $2,000 a month for health insurance just to cover two people. When Maher was finally cornered with the facts, he shifted the blame from Obamacare to people being unhealthy for rising costs.

Bill Maher gets blindsided as MTG tells him that Obamacare has crushed the middle class. Maher couldn’t believe it. “Obamacare has crushed them? Obamacare is what’s hurt them?” he asked. Greene backed it up with how much she’s paying for health insurance since Obamacare began: “When Obamacare went into place, it took my own family of five’s health insurance policy from $800 a month to over $2,400 a month, more than our mortgage payment. And that’s what so many people have experienced over all these years.” When Maher heard this, he wanted a fact-check and asked Michael Moynihan if Obamacare really raised rates. To this, Moynihan replied: “These subsidies, they don’t do anything to lower costs. I mean, the only thing they do is mask costs,” before explaining that he’s paying $2,000 a month for health insurance just to cover two people. When Maher was finally cornered with the facts, he shifted the blame from Obamacare to people being unhealthy for rising costs.

The Vigilant Fox 🦊

1,824,070 Aufrufe • vor 9 Monaten

Government subsidies and regulations are only part of the reason why the costs of healthcare and college keep rising. Some jobs can’t get more efficient because labor itself is the product, according to Baumol. This “cost disease” explains why, for example, the price of a haircut, adjusted for inflation, has increased over the years, while things like TVs get cheaper. Wages still have to rise to compete with jobs that did get more productive. Add subsidies into the mix, like in tuitions, and prices will keep rising since third parties absorb the increases. That is until human time can be sped up or automated.

Government subsidies and regulations are only part of the reason why the costs of healthcare and college keep rising. Some jobs can’t get more efficient because labor itself is the product, according to Baumol. This “cost disease” explains why, for example, the price of a haircut, adjusted for inflation, has increased over the years, while things like TVs get cheaper. Wages still have to rise to compete with jobs that did get more productive. Add subsidies into the mix, like in tuitions, and prices will keep rising since third parties absorb the increases. That is until human time can be sped up or automated.

Rothmus 🏴

19,141 Aufrufe • vor 7 Tagen

🚨🇺🇸 HEALTH INSURANCE CHAOS INCOMING: OBAMACARE SUBSIDIES EXPIRING, GOP DIVIDED, AND DEMS ALREADY CUTTING ATTACK ADS A political time bomb is ticking. Expanded Obamacare subsidies passed under Biden's COVID-era American Rescue Plan are set to expire next year. If Congress doesn't act, millions of Americans will face brutal health insurance premium hikes just in time for 2026 open enrollment. Senate Minority Leader Chuck Schumer announced today he'll push to extend the subsidies for another 3 years. But House Republicans are tearing themselves apart over the issue. Some want to extend the subsidies to avoid a voter revolt. Others say it's time to rip off the Band-Aid and cut spending. It's the classic GOP split: fiscal hawks vs. political realists, with no clear path forward and zero appetite for a full Obamacare repeal. Democrats are already preparing attack ads blaming Republicans for the looming spike, even though they helped create this mess by making temporary subsidies the new normal. They knew exactly what they were doing: create dependency, let it expire under a Republican Congress, then weaponize the fallout. The real losers? Working families who were promised "affordable care" and are now stuck watching D.C. play hot potato with their health bills. The only wildcard: Trump's "Make America Healthy Again" health plan, expected to drop soon. Source: Fox

🚨🇺🇸 HEALTH INSURANCE CHAOS INCOMING: OBAMACARE SUBSIDIES EXPIRING, GOP DIVIDED, AND DEMS ALREADY CUTTING ATTACK ADS A political time bomb is ticking. Expanded Obamacare subsidies passed under Biden's COVID-era American Rescue Plan are set to expire next year. If Congress doesn't act, millions of Americans will face brutal health insurance premium hikes just in time for 2026 open enrollment. Senate Minority Leader Chuck Schumer announced today he'll push to extend the subsidies for another 3 years. But House Republicans are tearing themselves apart over the issue. Some want to extend the subsidies to avoid a voter revolt. Others say it's time to rip off the Band-Aid and cut spending. It's the classic GOP split: fiscal hawks vs. political realists, with no clear path forward and zero appetite for a full Obamacare repeal. Democrats are already preparing attack ads blaming Republicans for the looming spike, even though they helped create this mess by making temporary subsidies the new normal. They knew exactly what they were doing: create dependency, let it expire under a Republican Congress, then weaponize the fallout. The real losers? Working families who were promised "affordable care" and are now stuck watching D.C. play hot potato with their health bills. The only wildcard: Trump's "Make America Healthy Again" health plan, expected to drop soon. Source: Fox

Mario Nawfal

75,060 Aufrufe • vor 8 Monaten

ObamaCare—the elephant in the exam room: sold as a miracle cure for our health care woes. Here we are in 2025. Ball and chained in a government shutdown and taxpayers have a trillion-dollar headache. Remember Obama’s big pitch? “If you like your plan, you can keep it” and “We’ll cut family premiums by $2,500 a year.” Lies of the Year in 2013. Fast-forward to 2025. We are staring down the barrel of a government shutdown over expiring subsidies for illegal aliens that .Speaker Mike Johnson rightly calls a “boondoggle” – essentially a fat handout to insurance giants that’s juicing prices instead of helping families. Here’s the ugly truth .Chuck Schumer and .Hakeem Jeffries are hiding the part about the ObamaCare premiums exploding: About those COVID-era subsidies Dems are fighting to extend? They’re a $340 BILLION a year illusion that hides the law’s regulatory mess, propping up markets that would otherwise collapse. Subsidize insurers, and millions of illegals and guess what? Prices skyrocket – basic economics Obamacare ignored. Barack’s legacy is a one-size-fits-all boondoggle that failed its three big goals: affordability, quality, and access. This isn’t health care – it’s a fiscal mirage propping up a broken system. Dems are shutting down the government to force the return of ObamaCare subsidies for illegals —and to mask their insurance failures.

ObamaCare—the elephant in the exam room: sold as a miracle cure for our health care woes. Here we are in 2025. Ball and chained in a government shutdown and taxpayers have a trillion-dollar headache. Remember Obama’s big pitch? “If you like your plan, you can keep it” and “We’ll cut family premiums by $2,500 a year.” Lies of the Year in 2013. Fast-forward to 2025. We are staring down the barrel of a government shutdown over expiring subsidies for illegal aliens that .Speaker Mike Johnson rightly calls a “boondoggle” – essentially a fat handout to insurance giants that’s juicing prices instead of helping families. Here’s the ugly truth .Chuck Schumer and .Hakeem Jeffries are hiding the part about the ObamaCare premiums exploding: About those COVID-era subsidies Dems are fighting to extend? They’re a $340 BILLION a year illusion that hides the law’s regulatory mess, propping up markets that would otherwise collapse. Subsidize insurers, and millions of illegals and guess what? Prices skyrocket – basic economics Obamacare ignored. Barack’s legacy is a one-size-fits-all boondoggle that failed its three big goals: affordability, quality, and access. This isn’t health care – it’s a fiscal mirage propping up a broken system. Dems are shutting down the government to force the return of ObamaCare subsidies for illegals —and to mask their insurance failures.

Tosca Austen

69,962 Aufrufe • vor 10 Monaten

This woman says Americans should be “outraged” over what Barack Obama did to our healthcare system “This is such a scam” “So I just went down the Affordable Care Act rabbit hole, and I'm genuinely shocked that Americans are not more outraged about this entire thing. The Affordable Care Act subsidies that the Democrats are requiring to extend in order to reopen our government are subsidies that are paid with taxpayers money Obama said, "You must use the Affordable Care Plan or pay a fine or get insurance elsewhere. You must have insurance. You must use Obamacare. It will be affordable." And then, it ended up not being affordable at all, so we had to subsidize the cost of it with taxpayer money that is paid directly to insurance companies who are causing the driving up of health care costs in the first place. This is such a scam and people aren't outraged? Like, it sounds so noble that the Democrats want people to have affordable health care, but Obama forced people to have affordable health care that wasn't affordable at all so taxpayers have to pay it, but we pay it directly to the private insurance companies that make health care unaffordable. — This is wild”

This woman says Americans should be “outraged” over what Barack Obama did to our healthcare system “This is such a scam” “So I just went down the Affordable Care Act rabbit hole, and I'm genuinely shocked that Americans are not more outraged about this entire thing. The Affordable Care Act subsidies that the Democrats are requiring to extend in order to reopen our government are subsidies that are paid with taxpayers money Obama said, "You must use the Affordable Care Plan or pay a fine or get insurance elsewhere. You must have insurance. You must use Obamacare. It will be affordable." And then, it ended up not being affordable at all, so we had to subsidize the cost of it with taxpayer money that is paid directly to insurance companies who are causing the driving up of health care costs in the first place. This is such a scam and people aren't outraged? Like, it sounds so noble that the Democrats want people to have affordable health care, but Obama forced people to have affordable health care that wasn't affordable at all so taxpayers have to pay it, but we pay it directly to the private insurance companies that make health care unaffordable. — This is wild”

Wall Street Apes

467,305 Aufrufe • vor 9 Monaten

🚨 JUST IN: President Trump has the Democrats totally CORNERED on Obamacare, exposing them for being fully bought off by Big, Rich Insurance "Democrats don't like that because they're owned by the insurance companies. The Democrats are OWNED by the insurance companies!" "Obamacare, and I said this for a long time, Obamacare was set up by the insurance companies. They made a fortune. A thousand points, they're going up a thousand, 1,250, 1,359 percent!" "What I'd like to see is that the money is made not to the health insurance or not to the insurance companies, directly to the people into a health care account, savings account, and the people buy their own health care!" "That's all the money pouring in. I want the money going directly to the people, let the people buy their own health care." "Now, their health care is going to be better and they'll be paying less money. It's going to be amazing, but we have to get the Democrats to support it, most likely." Democrats exchange big subsidies for CAMPAIGN donations. Send the money to the people!

🚨 JUST IN: President Trump has the Democrats totally CORNERED on Obamacare, exposing them for being fully bought off by Big, Rich Insurance "Democrats don't like that because they're owned by the insurance companies. The Democrats are OWNED by the insurance companies!" "Obamacare, and I said this for a long time, Obamacare was set up by the insurance companies. They made a fortune. A thousand points, they're going up a thousand, 1,250, 1,359 percent!" "What I'd like to see is that the money is made not to the health insurance or not to the insurance companies, directly to the people into a health care account, savings account, and the people buy their own health care!" "That's all the money pouring in. I want the money going directly to the people, let the people buy their own health care." "Now, their health care is going to be better and they'll be paying less money. It's going to be amazing, but we have to get the Democrats to support it, most likely." Democrats exchange big subsidies for CAMPAIGN donations. Send the money to the people!

Eric Daugherty

45,284 Aufrufe • vor 7 Monaten

ObamaCare: Consumer Deception and Taxpayer Fraud ObamaCare subsidy fraud occurs because government agencies care little when spending taxpayers’ money, and insurers and brokers have every incentive not to stop it. As Americans wake up to ObamaCare subsidy fraud, we should remember: the root problem is the unaffordable, low value ObamaCare itself. Fraudsters are stealing from subsidies that feed this hungry, rapidly growing “dragon.” ObamaCare was originally sold to the American people as affordable. President Obama promised that premiums would go down by $2,500. Even then, many economists and analysts already predicted unaffordability we see today. Through numerous regulations, ObamaCare damaged both the insurance market and the provider market. Consolidation, stagnation, high price, and high premiums followed. Some people blamed private companies, but they are simply responding to the bad incentives created by ObamaCare. Others blamed the FTC for market consolidation, but by the time mergers and acquisitions reach the FTC, it’s already too late: ObamaCare has made the soil so toxic that only large entities can survive. That’s why ObamaCare is both taxpayer fraud and consumer deception. The Covid-era enhanced subsidy used taxpayer dollars to lure consumers into unaffordable plans they would not have bought otherwise. This, too, is consumer deception and taxpayer fraud. ObamaCare defrauds taxpayers three times: paying for expensive premium subsidies, paying fraudsters, and paying higher price and premiums for their own employer-sponsored healthcare—caused by ObamaCare. Except for a small group of people who benefited politically or financially from ObamaCare, all Americans lost. Patients were deprived of affordability and access that free markets would bring. Physicians, entrepreneurs, innovators, and American workers couldn’t achieve their full productivity potential. Our jobs, economy, and global leadership suffered. Johns Hopkins Carey Business School Johns Hopkins Bloomberg School of Public Health BSPH / HPM

ObamaCare: Consumer Deception and Taxpayer Fraud ObamaCare subsidy fraud occurs because government agencies care little when spending taxpayers’ money, and insurers and brokers have every incentive not to stop it. As Americans wake up to ObamaCare subsidy fraud, we should remember: the root problem is the unaffordable, low value ObamaCare itself. Fraudsters are stealing from subsidies that feed this hungry, rapidly growing “dragon.” ObamaCare was originally sold to the American people as affordable. President Obama promised that premiums would go down by $2,500. Even then, many economists and analysts already predicted unaffordability we see today. Through numerous regulations, ObamaCare damaged both the insurance market and the provider market. Consolidation, stagnation, high price, and high premiums followed. Some people blamed private companies, but they are simply responding to the bad incentives created by ObamaCare. Others blamed the FTC for market consolidation, but by the time mergers and acquisitions reach the FTC, it’s already too late: ObamaCare has made the soil so toxic that only large entities can survive. That’s why ObamaCare is both taxpayer fraud and consumer deception. The Covid-era enhanced subsidy used taxpayer dollars to lure consumers into unaffordable plans they would not have bought otherwise. This, too, is consumer deception and taxpayer fraud. ObamaCare defrauds taxpayers three times: paying for expensive premium subsidies, paying fraudsters, and paying higher price and premiums for their own employer-sponsored healthcare—caused by ObamaCare. Except for a small group of people who benefited politically or financially from ObamaCare, all Americans lost. Patients were deprived of affordability and access that free markets would bring. Physicians, entrepreneurs, innovators, and American workers couldn’t achieve their full productivity potential. Our jobs, economy, and global leadership suffered. Johns Hopkins Carey Business School Johns Hopkins Bloomberg School of Public Health BSPH / HPM

Ge Bai

113,685 Aufrufe • vor 8 Monaten

HUGE: Trump just DROPPED a BOMB on the Democrats — exposing how Big Insurance COMPLETELY OWNS their party and demanding we FIX Obamacare RIGHT NOW instead of just kicking the can with more subsidies!" The insurance companies OWN the Democrat Party. They own it!" "I'd like to get right into this! Why do we even need to extend these subsidies? We could fix this FAST if Democrats would just get on board!" "They pour massive money into Democrats — barely anything to Republicans, by the way." "Now Democrats have to choose: Do what's RIGHT for Americans, or stay bought by these insurance giants raking in fortunes? I want that money going straight to the PEOPLE!" Let's blow this up — tag your friends, share everywhere! Follow my Telegram for more intel drops! Follow QThestorm

HUGE: Trump just DROPPED a BOMB on the Democrats — exposing how Big Insurance COMPLETELY OWNS their party and demanding we FIX Obamacare RIGHT NOW instead of just kicking the can with more subsidies!" The insurance companies OWN the Democrat Party. They own it!" "I'd like to get right into this! Why do we even need to extend these subsidies? We could fix this FAST if Democrats would just get on board!" "They pour massive money into Democrats — barely anything to Republicans, by the way." "Now Democrats have to choose: Do what's RIGHT for Americans, or stay bought by these insurance giants raking in fortunes? I want that money going straight to the PEOPLE!" Let's blow this up — tag your friends, share everywhere! Follow my Telegram for more intel drops! Follow QThestorm

QThestorm

65,939 Aufrufe • vor 8 Monaten

Joel White is the president of the Council for Affordable Health Coverage He recently testified to the United States Senate on how the Barack Obama Affordable Care Act has damaged the marketplace and driven up costs and premiums for consumers This is EXCELLENT information “Part of the Affordable Care Act's design is a massive consolidation in insurance and hospital and physician markets, and it basically triggered an arms race where hospitals, insurers tried to get bigger and bigger and bigger to charge people more and more and more, and we're all paying a lot as a result of the law's core design. And so for insurance companies, if you think of it as like a pyramid with the insurance company at the top, the insurance companies, since the law was enacted, bought up managers for pharmaceutical benefits, they bought up the hospitals, they bought up physician offices and clinics, all the way down to pharmacies where consumers get their drugs. And you say that may not be a bad thing, like bigger might be better because we can achieve economies of scale and cost savings and things like that, but really what we saw in the marketplace was higher premiums, higher deductibles, higher out-of-pocket costs, and less choice. So there's a couple of policies in the law that created that consolidation. - The first was that the law really limits consumer choice. It requires you to buy these very expensive, Cadillac expensive policies and then it defines how much you pay out of pocket, and the insurers have to meet all those requirements. What that did was in every state around the country, it created consolidation with insurers buying other insurers or merging with other insurers or really dominating the markets. So right now about two insurers per state control about 70% of the market, and what they can do when they control that much market share is charge higher premiums. That's the first issue - The second issue is called the medical loss ratio. That's just a fancy term that says the insurance company has to spend 80 or 85% of your premium dollar on medical care, so that means only 20% or 15%, can be used for profits and administrative costs. So, every incentive in the marketplace is for insurers to raise their premium so that they can get more profit and more revenue to spend on stuff. So one of the things that the medical loss ratio encouraged was these insurance companies to buy everything below the pyramid, so they started buying pharmacy benefit managers, and those manage your drug benefits They also bought physicians and hospitals. So one insurance company owns about 100,000 physicians in the United States. That's almost a 1/7 of the market And what they do in that arrangement is to avoid the profit cap caused by the medical loss ratio, they pay their physicians that they own more. So when they collect a dollar in, in revenue in their premiums, they then send a lot more money to the physicians that they own to earn money on that side. So they're earning money through the doctors, they're earning money through the premium, and it all kind of goes back up to the pyramid on top to the insurance company which owns everything”

Joel White is the president of the Council for Affordable Health Coverage He recently testified to the United States Senate on how the Barack Obama Affordable Care Act has damaged the marketplace and driven up costs and premiums for consumers This is EXCELLENT information “Part of the Affordable Care Act's design is a massive consolidation in insurance and hospital and physician markets, and it basically triggered an arms race where hospitals, insurers tried to get bigger and bigger and bigger to charge people more and more and more, and we're all paying a lot as a result of the law's core design. And so for insurance companies, if you think of it as like a pyramid with the insurance company at the top, the insurance companies, since the law was enacted, bought up managers for pharmaceutical benefits, they bought up the hospitals, they bought up physician offices and clinics, all the way down to pharmacies where consumers get their drugs. And you say that may not be a bad thing, like bigger might be better because we can achieve economies of scale and cost savings and things like that, but really what we saw in the marketplace was higher premiums, higher deductibles, higher out-of-pocket costs, and less choice. So there's a couple of policies in the law that created that consolidation. - The first was that the law really limits consumer choice. It requires you to buy these very expensive, Cadillac expensive policies and then it defines how much you pay out of pocket, and the insurers have to meet all those requirements. What that did was in every state around the country, it created consolidation with insurers buying other insurers or merging with other insurers or really dominating the markets. So right now about two insurers per state control about 70% of the market, and what they can do when they control that much market share is charge higher premiums. That's the first issue - The second issue is called the medical loss ratio. That's just a fancy term that says the insurance company has to spend 80 or 85% of your premium dollar on medical care, so that means only 20% or 15%, can be used for profits and administrative costs. So, every incentive in the marketplace is for insurers to raise their premium so that they can get more profit and more revenue to spend on stuff. So one of the things that the medical loss ratio encouraged was these insurance companies to buy everything below the pyramid, so they started buying pharmacy benefit managers, and those manage your drug benefits They also bought physicians and hospitals. So one insurance company owns about 100,000 physicians in the United States. That's almost a 1/7 of the market And what they do in that arrangement is to avoid the profit cap caused by the medical loss ratio, they pay their physicians that they own more. So when they collect a dollar in, in revenue in their premiums, they then send a lot more money to the physicians that they own to earn money on that side. So they're earning money through the doctors, they're earning money through the premium, and it all kind of goes back up to the pyramid on top to the insurance company which owns everything”

Wall Street Apes

32,279 Aufrufe • vor 9 Monaten

Obamacare was the government intervention on top of the government intervention making healthcare prices explode. In 1942, a wartime wage freeze pushed companies to offer insurance instead of pay. One of those “temporary” programs. In 1943, the IRS made it tax free so coverage jumped from 9% to 63%. Insurance companies (middlemen) were everywhere, price signals between patients and providers were dead. In 1945, federal law effectively stopped health insurance from being sold across state lines. No national competitive market. 35 states require a Certificate of Need to open a new hospital, so they end up with half as many per capita. Supply cannot meet demand. The mess the government created was an excuse for Obamacare. Now the mess Obamacare created has become the excuse for government taking over the entire healthcare industry. And it all starts with just a single government intervention in the free market.

Obamacare was the government intervention on top of the government intervention making healthcare prices explode. In 1942, a wartime wage freeze pushed companies to offer insurance instead of pay. One of those “temporary” programs. In 1943, the IRS made it tax free so coverage jumped from 9% to 63%. Insurance companies (middlemen) were everywhere, price signals between patients and providers were dead. In 1945, federal law effectively stopped health insurance from being sold across state lines. No national competitive market. 35 states require a Certificate of Need to open a new hospital, so they end up with half as many per capita. Supply cannot meet demand. The mess the government created was an excuse for Obamacare. Now the mess Obamacare created has become the excuse for government taking over the entire healthcare industry. And it all starts with just a single government intervention in the free market.

Rothmus 🏴

43,279 Aufrufe • vor 14 Tagen

Most employers still treat housing costs as someone else’s problem. But if you want employees to live near HQ you’re going to have to get involved. That doesn’t mean buying real estate. It may mean making mortgages more accessible. Because in a world where salaries can't keep pace with housing costs, “mortgage-as-a-benefit” becomes a no brainer. It’s why some fintechs (like Multiply Mortgage) are making it easier for employers to offer mortgage benefits as a low-risk way to retain or attract talent where you want them to live). I talked through the pros and cons on the Fintech Takes podcast with Simon Taylor. Catch the full episode here: And share: what do you think? ↓

Most employers still treat housing costs as someone else’s problem. But if you want employees to live near HQ you’re going to have to get involved. That doesn’t mean buying real estate. It may mean making mortgages more accessible. Because in a world where salaries can't keep pace with housing costs, “mortgage-as-a-benefit” becomes a no brainer. It’s why some fintechs (like Multiply Mortgage) are making it easier for employers to offer mortgage benefits as a low-risk way to retain or attract talent where you want them to live). I talked through the pros and cons on the Fintech Takes podcast with Simon Taylor. Catch the full episode here: And share: what do you think? ↓

Alex Johnson

15,898 Aufrufe • vor 1 Jahr

The expiring Affordable Care Act subsidies have me worried about more than just healthcare—I'm concerned about the housing market. 🏠🏥 Before becoming Redfin's chief economist, my first job in economics was at the Boston Fed in 2009, at the height of the foreclosure crisis. My task was to call homeowners facing foreclosure and ask survey questions about how they ended up in that situation. The answer I heard most often was they had an unexpected medical expense. Without affordable insurance, a sudden illness forced families to choose between their health and their mortgage. Harvard researchers backed this up, finding that nearly half of foreclosures at the time were linked to medical issues. If ACA subsidies expire, we risk returning to that reality. Families could face skyrocketing premiums or go uninsured entirely. When a medical emergency strikes, the out-of-pocket costs can be devastating—draining the funds needed to keep a roof over their heads. When healthcare isn't affordable, people have less money left over for other necessary expenses, like housing. Let's hope we find a way to keep healthcare affordable for Americans.

The expiring Affordable Care Act subsidies have me worried about more than just healthcare—I'm concerned about the housing market. 🏠🏥 Before becoming Redfin's chief economist, my first job in economics was at the Boston Fed in 2009, at the height of the foreclosure crisis. My task was to call homeowners facing foreclosure and ask survey questions about how they ended up in that situation. The answer I heard most often was they had an unexpected medical expense. Without affordable insurance, a sudden illness forced families to choose between their health and their mortgage. Harvard researchers backed this up, finding that nearly half of foreclosures at the time were linked to medical issues. If ACA subsidies expire, we risk returning to that reality. Families could face skyrocketing premiums or go uninsured entirely. When a medical emergency strikes, the out-of-pocket costs can be devastating—draining the funds needed to keep a roof over their heads. When healthcare isn't affordable, people have less money left over for other necessary expenses, like housing. Let's hope we find a way to keep healthcare affordable for Americans.

Daryl Fairweather, PhD | Chief Economist

17,442 Aufrufe • vor 9 Monaten

Worried about rising health care costs? I want to hear from you! I’m Chris Vazquez, a journalist covering health care and the government shutdown. I’m also enrolled in an Affordable Care Act Marketplace plan, and I’m bracing for steep increases to how much I spend on health care. Are you in the same boat? Roughly 21.8 million people are getting (possibly soon-to-expire) advanced premium tax credits to help pay for Marketplace coverage, according to data from the Centers for Medicare and Medicaid Services. And even if you don’t qualify for those tax credits, you still might see higher health care costs. A quick update on this whole fast-moving mess: On Sunday, a group of Senate Democrats and one independent broke ranks to advance a government-funding bill that punted the question of extending ACA tax credits to a final Senate vote in December, before the measure moves to a largely opposed Democratic caucus in the House—though Republicans likely have the votes to pass it. That keeps the question of when—and if—Americans on Obamacare could see any kind of relief still very much unanswered. If you are or about to be impacted by rising health care costs, I’d love to interview you on camera.We’d meet on Zoom, I’d record, and then include clips from our conversation in new videos. And if you or someone you know is a Republican voter impacted by this, I’d be especially interested in talking to you. That's because 57 percent of Marketplace enrollees live in Republican districts. How do you feel about GOP lawmakers’ continued lack of guarantees to fund tax credits? Do you feel left behind by people in power who you supported? Or do you still support them? If so, why? But I know Republican Obamacare enrollees aren't the only group impacted by this. ACA subsidies expiring could widen racial and ethnic disparities in health coverage and may also be felt hard among LGBTQIA+ people, more of whom are insured through Marketplace coverage than non-LGBTQIA+ people. We’ll have more videos coming soon making sense of all of this very soon. Stay tuned.

Worried about rising health care costs? I want to hear from you! I’m Chris Vazquez, a journalist covering health care and the government shutdown. I’m also enrolled in an Affordable Care Act Marketplace plan, and I’m bracing for steep increases to how much I spend on health care. Are you in the same boat? Roughly 21.8 million people are getting (possibly soon-to-expire) advanced premium tax credits to help pay for Marketplace coverage, according to data from the Centers for Medicare and Medicaid Services. And even if you don’t qualify for those tax credits, you still might see higher health care costs. A quick update on this whole fast-moving mess: On Sunday, a group of Senate Democrats and one independent broke ranks to advance a government-funding bill that punted the question of extending ACA tax credits to a final Senate vote in December, before the measure moves to a largely opposed Democratic caucus in the House—though Republicans likely have the votes to pass it. That keeps the question of when—and if—Americans on Obamacare could see any kind of relief still very much unanswered. If you are or about to be impacted by rising health care costs, I’d love to interview you on camera.We’d meet on Zoom, I’d record, and then include clips from our conversation in new videos. And if you or someone you know is a Republican voter impacted by this, I’d be especially interested in talking to you. That's because 57 percent of Marketplace enrollees live in Republican districts. How do you feel about GOP lawmakers’ continued lack of guarantees to fund tax credits? Do you feel left behind by people in power who you supported? Or do you still support them? If so, why? But I know Republican Obamacare enrollees aren't the only group impacted by this. ACA subsidies expiring could widen racial and ethnic disparities in health coverage and may also be felt hard among LGBTQIA+ people, more of whom are insured through Marketplace coverage than non-LGBTQIA+ people. We’ll have more videos coming soon making sense of all of this very soon. Stay tuned.

Mother Jones

14,189 Aufrufe • vor 9 Monaten

This is insane. He wants $100,000 SALT cap for individuals and a $200,000 one for married couples? Why does the entire country have to subsidize the high state taxes in New York and California? There’s no way this is gonna pass because this is gonna add an insane amount of money to the deficit and we can’t afford to keep doing that . And this is why Republicans suck because they can never just get it together and govern. They just always have to care only about themselves.

This is insane. He wants $100,000 SALT cap for individuals and a $200,000 one for married couples? Why does the entire country have to subsidize the high state taxes in New York and California? There’s no way this is gonna pass because this is gonna add an insane amount of money to the deficit and we can’t afford to keep doing that . And this is why Republicans suck because they can never just get it together and govern. They just always have to care only about themselves.

Insurrection Barbie

568,342 Aufrufe • vor 1 Jahr

Jake Tapper Point-Blank Asks Chris Murphy If He’s Willing To Let Americans Go Hungry Over Obamacare Subsidies | Mariane Angela, Daily Caller News Foundation CNN host Jake Tapper on Sunday asked Democratic Connecticut Sen. Chris Murphy whether his party was prepared to let food stamp funding run dry to force an extension of expiring Obamacare subsidies. Democrats have refused to back any federal government funding deal which excludes an extension of Obamacare subsidies, triggering the Oct. 1 shutdown after Senate Minority Leader Chuck Schumer rallied his caucus to block a bipartisan bill. When Murphy appeared on “State of the Union,” Tapper asked if Democrats were willing to let Americans go hungry until Obamacare subsidies are extended. “Funding for food stamps is expected to run out at the end of this week. This is happening because Democrats have not agreed to vote to fund the government without the Republicans making concessions to seriously change health care policy. So is this a trade-off you’re willing to make and continue to make, letting some Americans go hungry until these Obamacare subsidies get extended?” Tapper asked Murphy. Murphy dodged the direct question and instead accused Republicans of stonewalling bipartisan talks. “We’re shut down right now because Republicans are refusing to even talk to Democrats about a bipartisan budget bill,” Murphy claimed. “As you know, the reason we didn’t shut down for four years when Joe Biden was president was because Democrats negotiated with Republicans, and every single one of those short-term or long-term funding bills included both Democratic and Republican priorities. So the government shut down because Republicans have done something unprecedented: they have refused to talk to Democrats about a bipartisan budget.” The Connecticut senator also defended his party’s stance by saying health care subsidies are essential. “One of our priorities is pretty simple: making sure that premiums don’t go up by 75% for 22 million families this fall. Now, the reality is, if they sat down to try to negotiate, we could probably come up with something pretty quickly,” Murphy said. President Donald Trump initially canceled a planned meeting with top Democrats, just days before the shutdown deadline. The two sides eventually met at the White House, but the talks ended without a deal as both parties remained divided over extending Obamacare subsidies. Murphy then cited the administration’s recent $20 billion aid package to Argentina as proof the government had room to maneuver. “The president just announced $20 billion going to bail out the Argentinian economy. For $20 billion, we could open the government back up, that’s enough money to relieve a lot of pressure from these premium increases,” Murphy added. “We could get this deal done in a day if the president was in D.C. rather than overseas. We could open up the government on Tuesday or Wednesday, and there wouldn’t be any crisis in the food.” The Supplemental Nutrition Assistance Program (SNAP), which provides food aid to over 40 million Americans, will lose funding Nov. 1 without congressional action. Over two dozen states have warned they will halt benefits by then if the shutdown continues. Senate Democrats have continued to block every Republican effort to end the shutdown, with Schumer leading his caucus in repeated filibusters. They’ve made clear they won’t support any funding deal which leaves out an extension of Obamacare subsidies and other Democratic priorities.

Jake Tapper Point-Blank Asks Chris Murphy If He’s Willing To Let Americans Go Hungry Over Obamacare Subsidies | Mariane Angela, Daily Caller News Foundation CNN host Jake Tapper on Sunday asked Democratic Connecticut Sen. Chris Murphy whether his party was prepared to let food stamp funding run dry to force an extension of expiring Obamacare subsidies. Democrats have refused to back any federal government funding deal which excludes an extension of Obamacare subsidies, triggering the Oct. 1 shutdown after Senate Minority Leader Chuck Schumer rallied his caucus to block a bipartisan bill. When Murphy appeared on “State of the Union,” Tapper asked if Democrats were willing to let Americans go hungry until Obamacare subsidies are extended. “Funding for food stamps is expected to run out at the end of this week. This is happening because Democrats have not agreed to vote to fund the government without the Republicans making concessions to seriously change health care policy. So is this a trade-off you’re willing to make and continue to make, letting some Americans go hungry until these Obamacare subsidies get extended?” Tapper asked Murphy. Murphy dodged the direct question and instead accused Republicans of stonewalling bipartisan talks. “We’re shut down right now because Republicans are refusing to even talk to Democrats about a bipartisan budget bill,” Murphy claimed. “As you know, the reason we didn’t shut down for four years when Joe Biden was president was because Democrats negotiated with Republicans, and every single one of those short-term or long-term funding bills included both Democratic and Republican priorities. So the government shut down because Republicans have done something unprecedented: they have refused to talk to Democrats about a bipartisan budget.” The Connecticut senator also defended his party’s stance by saying health care subsidies are essential. “One of our priorities is pretty simple: making sure that premiums don’t go up by 75% for 22 million families this fall. Now, the reality is, if they sat down to try to negotiate, we could probably come up with something pretty quickly,” Murphy said. President Donald Trump initially canceled a planned meeting with top Democrats, just days before the shutdown deadline. The two sides eventually met at the White House, but the talks ended without a deal as both parties remained divided over extending Obamacare subsidies. Murphy then cited the administration’s recent $20 billion aid package to Argentina as proof the government had room to maneuver. “The president just announced $20 billion going to bail out the Argentinian economy. For $20 billion, we could open the government back up, that’s enough money to relieve a lot of pressure from these premium increases,” Murphy added. “We could get this deal done in a day if the president was in D.C. rather than overseas. We could open up the government on Tuesday or Wednesday, and there wouldn’t be any crisis in the food.” The Supplemental Nutrition Assistance Program (SNAP), which provides food aid to over 40 million Americans, will lose funding Nov. 1 without congressional action. Over two dozen states have warned they will halt benefits by then if the shutdown continues. Senate Democrats have continued to block every Republican effort to end the shutdown, with Schumer leading his caucus in repeated filibusters. They’ve made clear they won’t support any funding deal which leaves out an extension of Obamacare subsidies and other Democratic priorities.

Owen Gregorian

71,137 Aufrufe • vor 9 Monaten

Barack Obama destroyed our healthcare system. It’s time to abolish the Affordable Care Act - The average family Premiums have tripled - Average family coverage is $27,000 per year (INSANE) - Deductibles are $6,000-$12,000 per family member before you can even use it - Taxpayers subsidize $700–$800 billion annually This is an absolute scam. It’s nothing but the worlds largest money laundering operation from taxpayers into the pocket of insurance companies (for coverage you can’t even use without going bankrupt) “The ACA subsidies debate. ACA subsidy. Well, if it's so affordable, why do we need to shovel $400 billion more money at it? Family coverage for the average employer plan, not on the exchanges but getting through the employers, now $27,000 a year. You can buy a car for that. And like, a good car. Not just a cheap car. A good car for that. Think about that in terms of how much health insurance costs. And again, it's the problem of the incentives. Everybody is incentivized to spend more money — it's the government's money, it's free money” For non-employer coverage, the average silver plan for a family of 4 costs ~$24,000–$25,000 annually (~$2,000/month) in 2026, up 26% from 2026 (Absolutely insane)

Barack Obama destroyed our healthcare system. It’s time to abolish the Affordable Care Act - The average family Premiums have tripled - Average family coverage is $27,000 per year (INSANE) - Deductibles are $6,000-$12,000 per family member before you can even use it - Taxpayers subsidize $700–$800 billion annually This is an absolute scam. It’s nothing but the worlds largest money laundering operation from taxpayers into the pocket of insurance companies (for coverage you can’t even use without going bankrupt) “The ACA subsidies debate. ACA subsidy. Well, if it's so affordable, why do we need to shovel $400 billion more money at it? Family coverage for the average employer plan, not on the exchanges but getting through the employers, now $27,000 a year. You can buy a car for that. And like, a good car. Not just a cheap car. A good car for that. Think about that in terms of how much health insurance costs. And again, it's the problem of the incentives. Everybody is incentivized to spend more money — it's the government's money, it's free money” For non-employer coverage, the average silver plan for a family of 4 costs ~$24,000–$25,000 annually (~$2,000/month) in 2026, up 26% from 2026 (Absolutely insane)

Wall Street Apes

901,317 Aufrufe • vor 9 Monaten

🚨 HOME INSURANCE NOW COSTS MORE THAN THE MORTGAGE - AND SHE’S NEVER FILED A CLAIM A South Florida homeowner just laid out the actual math behind owning a home in Florida - and it’s ugly. She owns a basic, non-luxury home, bought in 2018. She has never filed a single insurance claim. Then her hurricane insurance company left the state, forcing her onto Citizens - the only insurer willing to cover her. No alternatives. No shopping around. Her hurricane insurance jumped from $5,267 last year to $6,394 this year - with zero damage, zero storms, and zero claims. On top of that, Florida requires: – Interior/home insurance – Mandatory flood insurance – Property taxes in Broward County When she adds everything together, she realizes: “All of this combined monthly costs more than my mortgage payment.” That means she’s paying more to insure the house than to own the house. Not beachfront. Not luxury. Not upgraded. Just a normal homeowner getting squeezed at renewal time while insurers quietly exit the state. So be honest: would you sell and leave… or keep paying and hope it gets better?

🚨 HOME INSURANCE NOW COSTS MORE THAN THE MORTGAGE - AND SHE’S NEVER FILED A CLAIM A South Florida homeowner just laid out the actual math behind owning a home in Florida - and it’s ugly. She owns a basic, non-luxury home, bought in 2018. She has never filed a single insurance claim. Then her hurricane insurance company left the state, forcing her onto Citizens - the only insurer willing to cover her. No alternatives. No shopping around. Her hurricane insurance jumped from $5,267 last year to $6,394 this year - with zero damage, zero storms, and zero claims. On top of that, Florida requires: – Interior/home insurance – Mandatory flood insurance – Property taxes in Broward County When she adds everything together, she realizes: “All of this combined monthly costs more than my mortgage payment.” That means she’s paying more to insure the house than to own the house. Not beachfront. Not luxury. Not upgraded. Just a normal homeowner getting squeezed at renewal time while insurers quietly exit the state. So be honest: would you sell and leave… or keep paying and hope it gets better?

HustleBitch

15,937 Aufrufe • vor 7 Monaten