Welcome to DU! The truly grassroots left-of-center political community where regular people, not algorithms, drive the discussions and set the standards. Join the community: Create a free account Support DU (and get rid of ads!): Become a Star Member Latest Breaking News Editorials & Other Articles General Discussion The DU Lounge All Forums Issue Forums Culture Forums Alliance Forums Region Forums Support Forums Help & Search

Attilatheblond

(7,781 posts)
Tue Nov 11, 2025, 01:26 PM Tuesday

Something I posted on FB the other day. ACA isn't just help paying premiums, it also added regulations.

ACA, also known as Obama Care, is NOT just about money going to insurance companies to help people pay premiums so they can be insured. It is ALSO about putting regulations ON insurance companies.

It's about requiring insurance companies to spend a certain % of what they charge on actual medical care payments. If an insurer does not spend that % of the premiums they collect on actual care, they must refund or lower the rates they charge. ACA limits the % of profits insurance companies can make! Without some regulation, insurers have no incentive to pay for claims, they can deny more and more to assure THEY get more profits.

The ACA puts demands on insurers to cover every client, not just the ones who don't use a lot of health care. It keeps them from only covering healthy people and refusing to cover people with per-existing conditions. Ending ACA would mean the people who need coverage the most would be unable to get health insurance, or it would be as such a high cost that most would be unable to afford it, which is essentially the same as them not being allowed into the insurance programs.

Trump thinks everyone is as ignorant as his maga voters. He thinks he can pretend they are saving money, or getting money back when what he is trying to do is give Big Insurance the OK to deny claims and/or deny coverage to people more likely to need care and have claims. in order to make obscene profits again.

Please remember these aspects of the ACA and help others to recall that it's not just money to subsidize premiums for consumers. It is also about making insurers do better to provide health care instead of just taking people's money.

4 replies = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
Something I posted on FB the other day. ACA isn't just help paying premiums, it also added regulations. (Original Post) Attilatheblond Tuesday OP
Rec Diamond_Dog Tuesday #1
Could losing the ACA subsities work in doc03 Tuesday #2
Insurance companies love the premiums and hate the regulations. sop Tuesday #3
it also said if a medicare patient is discharged, only to b re-admitted, mopinko Tuesday #4

doc03

(38,632 posts)
2. Could losing the ACA subsities work in
Tue Nov 11, 2025, 01:43 PM
Tuesday

our favor in the long run. I realise it is bad for people on the ACA. But could this make the MAGAs finally see that the Republicans are screwing them over when they can't afford health insurance.

sop

(16,849 posts)
3. Insurance companies love the premiums and hate the regulations.
Tue Nov 11, 2025, 01:55 PM
Tuesday

In a perfect world (for insurance companies) their high premiums would be subsidized by the federal government, and they wouldn't be required to cover any sick people. It would be the best of both worlds.

mopinko

(73,173 posts)
4. it also said if a medicare patient is discharged, only to b re-admitted,
Tue Nov 11, 2025, 01:57 PM
Tuesday

u dont get paid the 2nd time. getting paid twice for shitty care is a BIG reason american medical care costs so much.

Latest Discussions»General Discussion»Something I posted on FB ...