Barack Obama’s presidency dominated the controversy around the 2010 Affordable Care Act. The implementation of Obamacare caused To increase health insurance premiums And almost collapsed the market. The bidet management reacted from Flooding of the system with extended federal subsidieswhich should run by the end of 2025.

In order to prevent the premiums for older workers with existing conditions in order to sweep $ 10,000, the Republicans have to extend part of this additional financing. In return, however, you should revise reforms to clean healthy Americans better value insurance with your own.

The law on affordable care called for the health insurers to have existing conditions at the same price as enrolled as those who have registered before they got sick. As a result ofThe premiums have more than doubled, millions of healthy participants have covered and many found the market.

The Affordable Care Act held the individual health insurance market from falling confused Provision of subsidies To get to low. But individuals who earn more than 62,600 US dollars in 2025 would have exposed to full premiums without help.

These non -subsidized participants felt the full pain of the law on affordable care. Legislation enables insurers to raise older enrollments up to three times what the youngest does, and so un sub -subsidized premiums can be hung up for close -up skills. This year the benchmark bonus for a 61-year-old person in Washington, DC, is not subsidized. Is $ 15,402 per year.

Instead of fixing the structure of Obamacare, the newly chosen democratic congress in 2021 threw money on the problem with the American Rescue Plan Act. By expanding the authorization for subsidies for higher earners, the law Reduces the costs Health insurance for a 61-year-old LD-LD generation of $ 70,000 from $ 15,402 to 5,950 USD taxpayers in the federal government that cover the difference. This legislation also expanded the generosity of subsidies for lower earners. Those who earn 22,000 US dollars that contained 756 US dollars for the insurance costs according to the original Affordable Care Act would be paid by the Federal Government.

This approach was very expensive. In May 2022, the Congress budget office estimated that subsidies for the wound of the Affordable Care Act Cost 67 billion US dollars In 2024. Up to 129 billion US dollars.

A current report by the Paragon Institute Found that This cost jump married an increase in enrollment among those who received free cover. Pargon estimated that such participants made up almost half of the new enrollment and that 5 million people may have wrongly reported their income to claim free cover, which cost the tax piders of an additional 20 billion US dollars.

The insurers eagerly welcomed the influx of new healthy participants, who did not consider it a value of the insurance of the individual market until the federal government paid for the entire price. Such newcomers proved to be extremely lucrative because they used medical care as existing participants, but achieved the same income. Democrats, who received twice as much in campaign contributions in campaign contributions as Republicans Blue Cross Blue Shield, eagerly boasted the number of non -insured Americans, whereby the Lith lith lith was reducing costs for the costs.

The course of the subsidies of the American Rescue Plan Act has now been branched off again, which should expire at the end of 2025.

Fiscal conservatives have little appetite for the renewal of all extended Obamacare supports. It is also not contested by the American Rescue Plan Act of improved subsidies, as this would lead to a hike of $ 10,000 per yarpremium near RTI.

Congress should focus on targeted support by eliminating the authorization for the Affordable Care Act from original subsidies, which restrict the premium to 9.5 percent of the income, to avoid sudden benefits for those with income of over 62,600. But you should also reject other expansion of subsidies.

In return, the Republicans should insist that Americans are allowed to premiums reduced the premiums if they clean up insurance before they get sick. In 2017, President Trump allowed the Americans to do this by purchasing Short -term insurance. In 2024, however, the bidges administration Limited the duration This plans for four months. This happened after the printing of the great insurers who claimed that he would allow it when he is healthy.

In reality, the restriction of these affordable plans was most contributed to increasing the profits of the insurers. Healthy participants are still able to acquire short T-TRM plans every few months. It is only those who subscribe to those who are withdrawn from reporting. Regulatory protection for the long -term coverage of rules that are not weakened.

With the exposure of the American Rescue Plan Act of Premium Cap, the taxpayers from BUND directly subsidize most of the registrations. It is therefore unnecessary to forbid healthy participants to receive insurance plans that offers Cover with a long TRM At a good price for your money.

Chris Pope is a senior fuel at the Manhattan Institute.