“Separate the subsidized ACA exchange market from the non-subsidized insurance market. The Affordable Care Act has made insurance more expensive and less competitive, and the ACA subsidy scheme simply masks these impacts.”
Citation: Project 2025, Section 3.5: Department of Health and Human Services, Roger Severino, page 501, paragraph 5
Context:
The consequences of separating the subsidized market (Affordable Care Act) exchange market from the non-subsidized insurance market would likely result in higher premiums in the non-subsidized market for people who don’t qualify for ACA subsidies. Without the ACA’s regulatory mandates (such as protections for pre-existing conditions or essential health benefits), insurers in the non-subsidized market will almost certainly charge more, offer plans with fewer benefits, or go back to dropping people with pre-existing conditions. This is another example of good for insurance companies, bad for people.
Full contextual analysis of Section 3.5: Department of Health and Human Services here.
Categories: Health Care, Medicare/Medicaid