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rillaman

Heisman
May 10, 2009
18,777
11,992
113
ACA really benefits people under the subsidy cliff. My wife and I paid $36,000 for insurance this year and it increases to $48,000 next year. If an older married couple is making a combined $90,000 ACA insurance is unaffordable.

Really hard on people that want to retire early. ACA plans don't allow the carriers to assess risk. So you are assessed based on one thing, age. Doesn't matter if you are a healthy marathon runner, or a smoking retired truck driver. That's not good for someone in your/your wife's age range. The ACA rates have to consider all those high risk people that they have to cover, so the premiums are going to be high.

Another pressure to continue working until medicare age, so you can be under an employer sponsored plan. Hopefully one that is priced based on risk, not ACA. The rising ACA rates have to be a significant consideration for those thinking about early retirement.

ACA is a really interesting topic that most don't want to go beyond surface level on. Once you start peeling it back, you realize it hurt a significantly higher % of people than the % it helped.
 
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stoneaxe27

All-American
Sep 22, 2006
6,038
6,768
113

This is the consensus of non-political reports, that is reports not found on X or RW Media.​

​

Fact Check: Have healthcare costs risen faster since the Affordable Care Act was passed?​

By Keshav Srikant·April 22, 2025

No​

While health care costs have continued to increase since President Obama signed the Affordable Care Act into law in 2010, they’ve done so at a slower rate than in the years before the law was passed.

A 2021 study published in JAMA found that out-of-pocket healthcare expenses increased at an average of 3.4% a year from 2000-2009 and 1.9% a year from 2010-2018, after the ACA. This may be partially attributable to macroeconomic conditions: inflation was slightly lower from 2010 to 2018 (1.77%) than 2000-2009 (2.56%). A 2020 Health Affairs study noted annual healthcare spending growth decreased from 6.9% (2000-2009) to 4.3% (2010-2018) post-ACA, and that though the literature debated the ACA’s role in this, no paper linked the ACA to increased growth in healthcare spending.

In 2023 dollars, healthcare spending per person was about $11,150 in 2010 and $14,500 by 2023.
 

rillaman

Heisman
May 10, 2009
18,777
11,992
113

This is the consensus of non-political reports, that is reports not found on X or RW Media.​

​

Fact Check: Have healthcare costs risen faster since the Affordable Care Act was passed?​

By Keshav Srikant·April 22, 2025

No​

While health care costs have continued to increase since President Obama signed the Affordable Care Act into law in 2010, they’ve done so at a slower rate than in the years before the law was passed.

A 2021 study published in JAMA found that out-of-pocket healthcare expenses increased at an average of 3.4% a year from 2000-2009 and 1.9% a year from 2010-2018, after the ACA. This may be partially attributable to macroeconomic conditions: inflation was slightly lower from 2010 to 2018 (1.77%) than 2000-2009 (2.56%). A 2020 Health Affairs study noted annual healthcare spending growth decreased from 6.9% (2000-2009) to 4.3% (2010-2018) post-ACA, and that though the literature debated the ACA’s role in this, no paper linked the ACA to increased growth in healthcare spending.

In 2023 dollars, healthcare spending per person was about $11,150 in 2010 and $14,500 by 2023.

It was about $8,400 in 2010, and is over $16k now. Success!

 
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