This is gonna be one of the stranger references I've made on this site, but bear with me.
Back in 1996 there was an HBO movie called "The Late Shift" which told the story of the Late Night TV show battle between David Letterman and Jay Leno over who would succeed Johnny Carson as host of The Tonight Show. As stupid as this may sound today, this was actually a Really Big Deal in the '90's...one of those absurd pop culture stories which dominated the headlines and the tabloids for several years.
The movie itself was decent, with some interesting casting including Kathy Bates and Treat Williams, but nothing special. The main problem is that the audience is expected to root and feel sympathy for a couple of dudes who were already rich & famous and who would both continue to be rich & famous no matter how the story played out. The stakes weren't exactly the fate of the world, is what I'm saying.
It was in early 2021 that Congressional Democrats passed & President Biden signed the American Rescue Plan Act (ARPA), which among other things dramatically expanded & enhanced the original premium subsidy formula of the Affordable Care Act, finally bringing the financial aid sliding income scale up to the level it should have been in the first place over a decade earlier.
In addition to beefing up the subsidies along the entire 100 - 400% Federal Poverty Level (FPL) income scale, the ARPA also eliminated the much-maligned "Subsidy Cliff" at 400% FPL, wherein a household earning even $1 more than that had all premium subsidies cut off immediately, requiring middle-class families to pay full price for individual market health insurance policies.
Here's what the original ACA premium subsidy formula looked like compared to the current, enhanced subsidy formula:
Ever since the MAGA Murder Bill (officially H.R. 1, the so-called "One Big Beautiful Bill Act") was passed by Republicans in the U.S. Senate & House and signed into law by Donald Trump a few days ago, I've seen a growing conventional wisdom taking hold on social media: People keep claiming that either all, "nearly all" or at least "most of" the budget cuts & other gutting of various programs and departments won't actually kick in until after the November 2026 midterms.
Now, don't get me wrong--most of those making these claims are well-intentioned; they're saying this cynically, to underscore how disingenuous Congressional Republicans are by back-loading the pain until the midterms are safely in their rearview mirrors. And, to be fair, much of the damage won't being until well after next November.
Over at The New Republic, Greg Sargent has taken this thinking one step further, noting that by delaying so much of the ugliness of the new law until 2027 or beyond...
Every year, I spend months painstakingly tracking every insurance carrier rate filing (nearly 400 for 2025!) for the following year to determine just how much average insurance policy premiums on the individual market are projected to increase or decrease.
Carriers tendency to jump in and out of the market, repeatedly revise their requests, and the confusing blizzard of actual filing forms sometimes make it next to impossible to find the specific data I need.
I really only need three pieces of information for each carrier:
With the ongoing budget battle approaching the Sept. 30th federal government shut down deadline, U.S. Senator Patty Murray (D-WA) and U.S. Representative Rosa DeLauro (D-CT-03) have formally introduced a bicameral Continuing Resolution bill to fund the government for an extra month to buy more time to negotiate and avoid a shutdown by the Republican-controlled federal government:
ashington, D.C. — Today, Senator Patty Murray (D-WA), Senate Appropriations Committee Vice Chair, and Congresswoman Rosa DeLauro (D-CT-03), House Appropriations Committee Ranking Member, introduced a continuing resolution (CR) to keep the government funded and allow negotiations to continue over full-year bills that ensure Congress, not President Trump or Russ Vought, decide how taxpayer dollars are spent. The CR also addresses the health care crisis Republicans have single-handedly created and protects Congress’ power of the purse, rejecting President Trump’s illegal “pocket rescission.”
In a statement, Vice Chair Murray and Ranking Member DeLauro said:
Speaker Johnson, Leader Jeffries, Leader Thune, and Leader Schumer,
We urge you to extend the Affordable Care Act’s enhanced premium tax credits. For millions of hard-working Americans, these subsidies are the only reason health insurance is still within reach in a country where the cost of living keeps going up.
If they expire, premiums will rise by thousands of dollars for many families, millions will lose coverage, and people will be forced to make impossible choices between paying for healthcare, rent, or groceries. Hard-working American families, older Americans not yet on Medicare, small business owners, and rural communities—where marketplace coverage is often the only option—will be hit the hardest.
SACRAMENTO, Calif. — Covered California issued the following statement concerning the California Department of Public Health (CDPH) announcement of official immunization recommendations, following the passage of Assembly Bill 144:
“We applaud Gov. Newsom, the California Legislature and the Department of Public Health for recommending immunizations that are backed by scientific research and supported by trusted medical organizations,” said Covered California Executive Director Jessica Altman. “The evidence overwhelmingly shows that vaccines work, and with these steps Californians – and all Covered California enrollees – will continue to have access to these critical health tools.”
...the good news is that the [U.S. Preventative Services Task Force] can continue to do its job. The bad news is that anti-vaxxer & complete nutjob Robert F. Kennedy Jr. is now the one who gets to decide who serves on the PSTF.
The Task Force is made up of 16 volunteer experts in the fields of preventive medicine and primary care, including internal medicine, family medicine, pediatrics, behavioral health, obstetrics/gynecology, and nursing. Most of our members are practicing clinicians. To develop recommendations, we use our own expertise and routinely invite the input of disease experts and specialists. We also invite input from stakeholders and the public.
(I know numerous other states with Democratic governors have issued similar executive orders already, but I'm a lifelong Michigander as are most of my family so this one comes as particular relief to me)...
via email (no link yet):
Governor Whitmer Signs Executive Directive, Ensuring Michiganders Can Access Vaccines to Stay Healthy Ahead of Cold, COVID-19, and Flu Season
LANSING, Mich.—Today, Governor Gretchen Whitmer signed an executive directive, ensuring vaccines remain available to Michiganders as we approach the fall. Specifically, she has instructed state agencies to identify and remove any barriers to accessing COVID-19 vaccines, so Michiganders can stay healthy ahead of cold and flu season. Governor Whitmer remains committed to supporting the health and wellbeing of every Michigander and their families.
I just finished writing up a deep dive into the Arkansas Insurance Dept's move from laissez faire-style Silver Loading to fully-regulated & maximized Premium Alignment in an attempt to mitigate the massive net premium damage about to be caused if the enhanced ACA premium tax credits expire at the end of 2025.
However, it's not just Arkansas which has finally seen the light and joined about a dozen other states in putting full-bore Premium Alignment (PA) pricing into place to help reduce the financial burden on ACA individual market enrollees in 2026.
Other states which have already done so in the past include Colorado (sort of), Texas, New Mexico, Maryland, Pennsylvania (somewhat), Illinois, Vermont and Wyoming.
