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Tell Congress: Support the Personal Option for Health Care!
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Hello John,
The government shutdown is over.
Democrats failed in their quest to force Republicans to spend another $400
billion to extend inflated Obamacare subsidies meant to help Americans get
through Covid. But they haven’t given up yet.
Here’s the problem: In the process of ending their shutdown stunt, Democrats
did manage to extract a promise to allow a Senate floor vote on a $40 billion,
one-yearObamacare insurer handout.
The vote will take place in early December.
Meanwhile, President Trump has called their bluff by suggesting a better idea.
Instead of extending the Covid-era subsidies, which go straight to
“money-sucking insurance companies,” why not just give some of that money
“directly to the people, so they can purchase their own, much better health
care.”
Amen. Why not?
But Democrats won’t hear of it, and they aren’t giving up. They’re determined
to bail out Obamacare (with our tax dollars) at all costs. If the Biden-era
handouts aren’t extended, they say, enrollees will see significant increases in
their health insurance premiums.
Not so fast. Here are the facts:
* According to Paragon Health Institute, only 3.3% of the projected 2026
Obamacare premium increases are related to the expiration of the temporary
Covid-era inflated subsidies.
* And since, in Obamacare, most of the premium is paid for by the taxpayers,
not the insured person, most enrollees will not see a large increase in their
out-of-pocket costs, contrary to Democrats’ hyperbolic claims.
So, what is driving the insane premium increases we’ve been reading about?
Here are three big reasons:
* Surging general medical costs across the entire health care system. Health
care is not immune to the inflation that is affecting nearly every sector of
the economy. In fact, over the past few decades, medical inflation has outpaced
the Consumer Price Index by a good distance.
* The accelerating health care industry consolidation — which creates what
are essentially regional monopolies. These large systems have enormous power to
dictate prices, and they use it to keep prices high.
* The introduction of expensive new lifesaving drugs, devices, and therapies
also keep prices climbing.
Here’s the bottom line: It is these macroeconomic forces, not the small
decrease in subsidy payments, that are causing higher premiums for consumers.
And the sad fact is,Obamacare is making things worse.
And here’s how Obamacare makes it more complicated: As originally designed,
Obamacare required enrollees to contribute some share of their premiums to
ensure value and limit costs.But that balance was thrown out the window during
the pandemic when Congress not only increased the amount of Obamacare subsidies
but made them available to every American over 100% of the federal poverty
level — including millionaires.
These changes largely eliminated meaningful enrollee contributions, with
almost half paying nothing at all. It is these changes that Democrats want to
make permanent.
All this “free” health care spawned massive enrollment fraud, including 12
million phantom enrollees who never use their coverage and may not even be
aware they are enrolled. But insurers still get paid to cover them!
By creating an illusion of affordability (with our tax dollars), Obamacare’s
inflated Covid subsidies have masked these underlying issues within the health
care system.
And by hysterically opposing the idea of going back to the Obamacare of five
years ago, Democrats are implicitly admitting thattheir Affordable Care Act
(Obamacare) has utterly failed to deliver affordable care.
One thing is for sure. Pumping hundreds of billions more dollars into a failed
Obamacare system is not the answer.
The only way to bring prices down and improve quality is to put patients — not
the government or insurance companies — in control of their own health care
spending. As Senator Rick Scott (R-Fla.) recently put it: “If you’re going to
support anybody with a subsidy, then you should give it to them in cash and let
them be a health care buyer” instead of sending the money straight to an
insurance company.
That’s where the Personal Option comes in. It would:
* Offer every American the option of a tax-free Health Savings Account that
they could use to make the health care arrangements that work best for them and
their families.
* Eliminate government barriers that prevent Americans from accessing
innovative coverage arrangements like direct primary care, which lets you pay a
flat monthly subscription for primary care services with trusted doctors and
offers deep drug discounts.
But here’s the best part: No insurance company or government middleman.
More choice means more control, strengthening competition and driving down
costs as health care providers compete for your business. ThePersonal Option
empowers you to choose who you trust with your health care decisions,
delivering customized, affordable care for every American.
🩺 Ready to take charge of your health? Visit the Personal Option website today
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to learn more about the only health care plan that puts you in control!
✍️ And please sign our petition to Congress supporting a Personal Option!
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Sign the petition
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Best,
-Dean
Dean Clancy
Senior Health Policy Fellow
Americans for Prosperity
Thank you for your continued support. Together, we’re ensuring every American
has access to the health care solutions they need. Stay tuned for updates on
how we’re making impact-driven changes possible.
Americans for Prosperity
4201 Wilson Blvd, Suite 1000
Arlington, VA 22203
This email was sent to:
[email protected]
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