Obamacare and health care premiums are going to be front and center again very soon. Obamacare which was supposed to lower premiums instead has seen skyrocketing costs particularly for those forced into the government plan for ACA. This was all part of the plan by the Democrats to make people more dependent on the government.
As can be seen in the above graph, employer premiums have risen much faster than inflation. However, those increases pale in comparison to the premiums for Obamacare government healthcare exchanges.
To hide the problem in Obamacare, the Democrats passed a credit during COVID that was sent to the insurance companies. That credit is expiring. So, another significant bump in premiums will occur because the whole Obamacare plan is a disaster.
Obamacare was designed to be difficult to understand when it was proposed. It became Pelosi’s “we have to pass it to find out what’s in it” scenario.
Now a Democratic member of the House says the Republicans do not have a plan to stop the insane price increases but the Democrats do.
<blockquote class=”twitter-tweet”><p lang=”en” dir=”ltr”>The ACA tax credits expire in less than 30 days, and Republicans don't have a plan to lower the cost of health care. <br><br>But we do. <a href=”https://t.co/t45Uc1vLaw”>pic.twitter.com/t45Uc1vLaw</a></p>— Rep. Morgan McGarvey (@RepMcGarvey) <a href=”https://twitter.com/RepMcGarvey/status/1995990119514358200?ref_src=twsrc%5Etfw”>December 2, 2025</a></blockquote> <script async src=”https://platform.twitter.com/widgets.js” charset=”utf-8″></script>
Their plan is to keep subsidizing the insurance companies with taxpayer funds. I think the plan should be to haul Obamacare off to the junkyard.
How to reform this mess, aka, the Unaffordable Care Act. Without massive COVID-era subsidies, people, especially those in the Obamacare exchanges, will pay a lot more in 2026. The program itself has so many problems, it is more than past time to just let this whole mess disappear.
The country would have been rid of this a long time ago but, John McCain, in a fit of pique, decided to sabotage all Americans because he did not like PDJT.
Senator Rand Paul (R-KY) has a relatively simple and probably very effective idea. Frank Friday notes:
Paul’s idea is to expand ERISA to offer simple Health Savings Accounts (HSA) plans via a host of non-profit membership groups most people already have access to: Credit unions, buying clubs, professional organizations, churches, etc. Take the small tax credits we already give HSA plans and raise them. This would be a great deal for most families and save the taxpayers a lot of money.
Unfortunately, the ideas presented have not made much headway. There is an old saying that perfect is the enemy of good. If Rand Paul understood the legislative process better, it is likely that much of what he proposed could have been included in the Big, Beautiful Bill. That would have meant giving up on some of the budget cuts he wanted. His obstinate approach meant that he got nothing and has probably estranged himself from many of his colleagues in the Senate.
Frank Friday notes:
I would like to think that when Congress comes back to work in January, Sen. Paul could finally buckle down and do the hard work and horse trading necessary to pass his excellent Health Marketplace Act.
While Rand Paul’s history does not suggest the likelihood of this happening, one can always hope that the light will dawn and the nightmare of Obamacare will end.