| Hello John, Brace yourself for yet another health insurance price hike next year. Insurance companies that sell plans on the ACA marketplaces are proposing a median premium increase of 7% for 2025. This follows a 6% premium increase this year. The exact increase of these premium hikes may change between now and the start of open enrollment next month, but make no mistake, the cost of health care is going up. So, why is this happening? Well, a big reason is that the government subsidizes health insurance companies with your tax dollars, to the tune of hundreds of billions each year. These subsidies go directly to insurers and create little incentive for them to negotiate lower prices and reduce wasteful spending. Millions of Americans who are enrolled in ACA plans get taxpayer-subsidized health insurance, sometimes at zero cost to themselves. Meanwhile, insurers make out like bandits, with a guaranteed source of money and access to new customers, courtesy of the American taxpayer. And that’s not all. Americans who aren’t eligible for government-subsidized health care pay a lot more for their health coverage. Three years ago, the Biden-Harris administration “enhanced” the ACA subsidies during the pandemic, shoveling even more money at insurance companies. Now, Harris wants to make those lavish temporary “enhancements” permanent. What will that cost? Doing so would cost taxpayers a staggering $383 billion over the next decade! With a national debt of $35 trillion and climbing, that’s deficit spending we just can’t afford. Is there an alternative? Now, imagine if instead of sending billions of dollars to insurers, we funded patients instead. People like you and me would have full control over our health care dollars, meaning we could decide how to use it. With people empowered to shop for value, spending would come down, as would fraud and waste. Rather than only being able to choose from what our insurance company offers us, we’d have the option to pick from many different types of arrangements — from a direct primary care subscription to a farm bureau plan, to highly affordable short-term coverage. For those who really like their current plan, they could keep it. Your money, your choice. And what you didn’t spend on insurance, you could keep in a tax-free health savings account for future medical expenses. Your money, your choice. If that sounds good to you, click here to join the national movement in support of a Personal Option in health care. Tell your lawmakers, “My money, my choice. Give me and my family control of our health care!” Best,
Dean
Dean Clancy
Senior Health Policy Fellow Americans for Prosperity | 
