November 10, 2025

"Six Takeaways From the Senate Deal to End the Shutdown."

Headline at the NYT. Free-access link: here. The 6 things (paraphrased unless in quotes):

1. Democrats lost their unity.

2. The health care matter was left out.

3. "Trump’s pressure tactics worked.... The group of people affected by the shutdown grew with each week" — from the thousands of federal workers going without pay to the millions who expected food-buying assistance and the millions who were hoping to travel by plane.

4. Trump did not participate in talks with Democratic Party leaders. He was, conspicuously, at an NFL game when the deal coalesced last night.

5. Republican leaders Mike Johnson and John Thune also withheld participation.

6. Democrats at least have "some concessions in their fight against the Trump administration’s concerted effort to reconfigure and diminish the federal government." That's not about health care. It's about rehiring those who were laid off during the shutdown and barring further layoffs until January 30th.

ADDED: Will Trump gloat? Should he? He hasn't put anything up on Truth Social since his display — 13 hours ago — of Air Force One flying over the football stadium. And at X, 9 hours ago:
 

126 comments:

Leland said...

Democrats fought against themselves, because Trump, Johnson, and Thune had already done their part over a month ago. There was nothing for Republicans to negotiate, because they won the election that counted.

Christopher B said...

For all the (fake) concern about no SNAP benefits we heard in these comments, it wasn't until flights started to get canceled that Democrat Senators got push back on keeping the government closed. Though I do think those outrageous judicial orders to fund SNAP despite having no funds appropriated did wake up some of the legislative Democrats.

Eric the Fruit Bat said...

It takes a skilled pilot to handle the updraft that comes off that stadium.

mezzrow said...

I am cynical enough to believe that at its core, the purpose of the shutdown was to keep the base riled up to help them power through the November elections, which turned out to have the effect they desired, which they now celebrate.
Having done so, they are now responsible for the outcome to a greater degree than if they had proved to be as inept as they were in 2024. In the end, I suspect that it will all come together in a giant cherry-topped sundae of "be careful what you wish for." example - They don't control Mamdani, and they are tied to him with an unbreakable bond in the eyes of the normies in the middle. Where will this go?

Breezy said...

He probably will gloat, but I think he should focus on fixing the subsidies and ACA in general. He needs to get ahead of this for the midterms.

All these years of ACA while the Republicans put forward no alternative. One could speculate they were just waiting for the ACA to prove itself to be unaffordable. Until then, any arguments for changing it couldn’t win.

Shouting Thomas said...

And thus the “starving kids” panic of 2025 resolves. What was the body count?

We’re actually in the midst of an obesity epidemic.

gilbar said...

as mezzrow said...
..the purpose of the shutdown was to keep the base riled up to help them power through the November elections..

i'm surprized it lasted til the end of the week..
anyway, to all you Dems; enjoy your jihadis!

Kakistocracy said...

The Democratic caucus agreed to compromise. Then, the caucus decided who should vote in favor to protect Democratic Senators up for reelection in 2026, who might have faced serious primary challenges.

Kakistocracy said...

The only political win for Democrats here is that when health insurance costs skyrocket for 22 million Americans in just 42 days, even low-information voters will clearly see that Republicans are the ones responsible. Whether that makes all of this worth it remains to be seen.

Wilbur said...

I love it whenever Leftists are furious. It means something good for the country is happening.

R C Belaire said...

Perhaps it's time to move responsibility for the air traffic controllers from the Fed govt to the airports/airlines themselves as is the case in many countries. While they're at it, move the SNAP program directly to the individual states to administer and fund.

Dave Begley said...

I was on two planes yesterday. One flight attendant claimed that one tower at a big airport was unattended and another airport had just one.

It really was a complete outrage to have the government shut down. Good that the GOP won.

gilbar said...

Shouting Thomas said...
"..And thus the “starving kids” panic of 2025 resolves.."

the Dems Actually Thought, that having Morbidly Obese women;
with Thousands of dollars worth of tats and piercings..
complaining about NOT HAVING FREE FOOD MONEY!
would be a good sell.

The Only Thing, that could have made it more bizarre,
would have been if these tatted fat chix were saying that they'd "START" stealing if the Free Food Money didn't restart..
oh, wait

boatbuilder said...

TAW.

rehajm said...

The healthcare costs is a phony issue. Democrats are upset they could miss out on having taxpayers funding their illegals until the census. There’s also the little issue of attached to the healthcare for illegals the $500 billion or so in slush money to fund…whatever Democrats want to fund. I’m not sure it will be the wedge issue Democrats want it to be but if the big worry from Anns these days is ‘Will Trump gloat?’ perhaps it isn’t the non issue I suspect it to be….

Beasts of England said...

I’m glad the shutdown is over. Now the Dems can focus their outrage where it truly belongs: the East Wing ballroom and Trump’s Halloween party…

rehajm said...

If Democrats are worried about healthcare costs I’m happy to scrap the old program that was supposed to solve that problem for something else…

gilbar said...

here's some Serious Questions:
does Schumer run for reelection? or does he retire?
if he Does run, does he get Primaried?
if so, does he Still win the nomination?

finally; did all this help (or hurt) him and his chances?

bob said...

Go to committee and work it out there. You know, like you're supposed to.

Mark said...

Will be interesting to see if Trump appeals last night Appeals Court ruling on SNAP to the SC, given the shutdown is being declared over.

Money Manger said...

Schumer: "Alright, we are at 59. We need one more vote to hit 60 and put this PoS behind us. Durbin ! You aren't running again. Will you take one for the team ?"

Marcus Bressler said...

If the Repubs had caved and added the Obamacare subsidies in, the Dems would have run on how much $ that added to the deficit (without mentioning WHY)

Joe Bar said...

Tim Kaine, senator from my state, admitted it was all about the election(s). They swept the statewide slate in Virginia, relying on angry feds in NOVA.

Kaine voted YEA last night.

Howard (not that Howard) said...

The health care "crisis" (of Dem authorship) will not be fixed until it's shown that pooling maintenance costs through insurance will always be either inefficient or require huge taxes.

Trump touched on the best way forward: the HSA model (to which government can contribute funds) with catastrophic insurance, coupled with cost transparency up front from providers. As with an auto extended warranty, those that wish to prefund their maladies can pay the higher insurance rates to do so.

buwaya said...

Someone should do the responsible thing and legislate measures to reduce medical costs. There is reality out there, and the US is going broke because it can't deal with it.

buwaya said...

HSA and all other such measures are DOA (you might pass them but they will be useless) without radical measures to reduce costs - directly.

Money Manger said...

Schumer 2026. He will wait until early next year to see what his polling numbers looks like, and then decide. If the election were upcoming, AOC would primary him, and she would win.

Paul said...

I strongly hope Trump praises the end of the Democrat filibuster and then... shuts up and moves on to other victories. A wise man does not rub it in.

Howard (not that Howard) said...

buwaya said...
HSA and all other such measures are DOA (you might pass them but they will be useless) without radical measures to reduce costs - directly.

The answer is for hospitals and clinics to publish their costs upfront. People being able to shop around and make decisions with money they control will cause competition, which always lowers prices.

Otherwise, you're talking about a command economy, which always either raises prices, depresses quality, or both.

Capitalism works.

Tacitus said...

Oh, Trump will praise some Democrats. But which ones? The more moderate ones? The further left ones? Whichever group he wants to scorch, as any positive vibes from Bad Orange Man will infuriate the party activists.

rehajm said...

Discussions on how to fix healthcare are off topic. The shutdown debate is about funding the Democrats plans to reshape our democracy and the illegals they need accomplish it…

Conrad said...

To reduce HC costs, you have to let people decide how much and what kind of they need.

BTW, health care is not a right, it's a service. You don't have a right to someone else's services.

buwaya said...

You have to do 'statist' measures. Like limiting liability, reorganizing medical education, taking power away from the AMA, reducing the ability of drug companies to limit competition, etc and etc. Consumer price shopping will do nothing about these.

Lucien said...

How can the Senate make a deal about rehiring fired federal employees when that’s an executive branch issue? Did the President somehow agree?

Eva Marie said...

The AMA is directly and indirectly funded by pharmaceutical companies.

rehajm said...

Good grief if you must: After the ACA

…as with most basic necessities of government Trump, the dumbest businessman in the world, trumps the ‘great minds’ in government…

rehajm said...

How can the Senate make a deal about rehiring fired federal employees when that’s an executive branch issue?

Stop asking good questions…

Mike (MJB Wolf) said...

They should have stopped at 2. Trump contrary to their factless assertion of "pressure" kept money flowing where he could, never made wholesale drastic cuts and complied with every conflicting order of every court in order to minimize the impact on the needy. It was the #2 Senate Democrat who gloated about using SNAP recipients and their hunger as "leverage."

So is the filibuster waived or not?

Beasts of England said...

’Did the President somehow agree?’

I read that he had agreed to rehire some employees, but I don’t remember which ones or where I saw it…

Rusty said...

R C Belaire said...
"Perhaps it's time to move responsibility for the air traffic controllers from the Fed govt to the airports/airlines themselves as is the case in many countries. While they're at it, move the SNAP program directly to the individual states to administer and fund."

11/10/25, 6:16 AM

The airlines write the rules and the FAA administers them anyway.

Humperdink said...

Kaka said: “ The only political win for Democrats here is that when health insurance costs skyrocket for 22 million Americans in just 42 days”.

My personal experience: When Obamacare was passed my health insurance payment went from $9K per year to $15K per year. This was after that lying scumbag said it would go down by $2500 per year. And you and your Commie buddies were all in. I don’t want to hear another word from your lying side about Obamacare.

Humperdink said...

There can’t be a deal until the 4,102 federal judges approve it. That will take some time.

buwaya said...

You cannot have a Southwest Airlines or Walmart of medical care until you do a great deal of legislating. You have to massively modify several institutions and destroy a few others, and in the process break a lot of rice bowls. But you have to do it because this is killing you.
The difference in medical care expenses between the US (@16.5% of GDP), and, say, France and Germany (@11.8% of gdp), accounts for almost the entire US deficit.
You can yammer on about bullshit politics while you are bleeding to death I guess.

Original Mike said...

"I was on two planes yesterday. One flight attendant claimed that one tower at a big airport was unattended…"

That seems unlikely.

Ann Althouse said...

Isn't it wrong to use the phrase "go hungry"? One could stave off hunger for very little money if the food aid you were used to is cut off. I wish the NYT would be scrupulously accurate. It is still possible to use one's own cash, however little, to buy enough cheap food to avoid hunger.

Jaq said...

So the hypothesis that we saw postulated by so many the right that the Democrats would fold right after the election because they did not want to undercut the energy of their most loyal (most whacko) voters before that election has been proven correct.

You can seldom tell who is lying in real time, you can only note what they say and bide your time, and time usually tells. Sometimes they keep omertΓ , when both sides are in on it, but time usually tells.

narciso said...

The times lies its in their nature like scorpions

narciso said...

Their lips are moving

Original Mike said...

"Someone should do the responsible thing and legislate measures to reduce medical costs. There is reality out there, and the US is going broke because it can't deal with it."

We could start by having the rest of the world pay their fair share of drug costs.

narciso said...

They are an eldritch publication

Enigma said...

The Democratic Party split that's been in the works since Occupy Wall Street continues. They reunited only because of TDS, and without TDS the zealots will happily spend 40 years in the wilderness. Or, they'll seek to become martyrs.

Jaq said...

Reading the news properly is similar to a system that processes a noisy signal. It has to buffer the incoming data in order to assemble the true signal and chuck the noise, and you don't get the true picture in real time, there has to be a large enough delay to allow for time to process what's in the buffer.

Jaq said...

Imagine an engineer who said that it was pointless for your protocol to request retransmissions of erroneous data because it was "old news."

tim maguire said...

Cute that the natural effects of the shutdown are described as "Trump's pressure tactics."

Aggie said...

Full disclosure price transparency, itemized, is what will put a stop to the medical care crisis. It's impossible to manage what you cannot measure, and this is the consumer's plight. Their health is affected directly by the effectiveness of their medical care, but their medical care is being mediated by hospitals and insurance companies without their participation. By design, it's a terrific money maker. Mandate pricing transparency, and that whole grotesque edifice will crumble, as it must.

As for the shutdown, the accusations that Trump, Johnson, and Thune weren't participating. Hah ! What was Trump supposed to do? Line up for another lashing on Executive over-reach? Johnson already had passed the CR. Thune lined up one vote after another for the CR. Apparently, the NYT is under the belief that not giving the squalling brats their demands, is the same as 'not participating'.

narciso said...

Well you have to stop listening to the ones that lied to you

The Times and the Journal and throw in the Post are unsalvageable

Aggie said...

The important question is: Were there 'cheers' or 'boo's' during the flyover?

Derve said...

Ann Althouse said...
Isn't it wrong to use the phrase "go hungry"? One could stave off hunger for very little money if the food aid you were used to is cut off. I wish the NYT would be scrupulously accurate. It is still possible to use one's own cash, however little, to buy enough cheap food to avoid hunger.
-------------
Oh ann. People indeed go to bed hungry in our nation. KIds can't use their own cash to feed themselves. Haven't you ever seen, too, old people with plenty of money in the bank pushing a nearly empty shopping cart? Research "food insecurity". Not everyone was raised on bon bons and snackie junk food like the althouse clan. Your ignorance is showing again...
You lost. People are getting fed. Somehow that seems to take from your own overabundance. lol. Loser.

Enigma said...

@Althouse on the NYT's use of "go hungry."

This is how state-dependent leftist women and their reporters reason. I've overhead this purported logic many times. They (black women) have been economically married to Big Government for close to 3 generations, and they know no other system.

Black male crime = idle hands are the devil's workshop. Government gifts made them aimless and unneeded. Once a mother's little boy (puppy) grows up it's not cute any more and she moves on.

Derve said...

Some people are saying the Dems should not have caved given the poor reaction to Trump (booooooo! booooo! boooo!) at that DC football game. (You'll learn about that tomorrow the way you deliver your boys day-old news here. That's why the red meat you toss them is always rotting...)

Jaq said...

I can only imagine. I once was at a Red Sox game when a huge Coast Guard helicopter flew in over center field during the pre-game, and that was awesome.

buwaya said...

"We could start by having the rest of the world pay their fair share of drug costs."

A large part of US drug costs is the extremely costly processes to satisfy the FDA and other issues (like liability) in the US. Most US drug r&d isnt, it is just regulatory or legal compliance.
Other countries create drugs. My current primary drug, Entresto (sacubril/valsartan) was developed by Novartis, a Swiss company.

Luke Lea said...

Meanwhile the deficit soars.

TreeJoe said...

Buwaya said, "A large part of US drug costs is the extremely costly processes to satisfy the FDA and other issues (like liability) in the US. Most US drug r&d isnt, it is just regulatory or legal compliance."

I think you just said Drug R&D isn't a major cost driver. To which I would disagree, vociferously, and state that legal and compliance issues while costly are not the primary cost drivers by any means in development and manufacturing and distribution of drugs.

narciso said...

Yes since obamacare qe 2 lockdown subsidies the deficit had tripled lets stop doing that

Iman said...

kak searches for a pony in the “fully funded” Democrat Mountain of Dung…

Madison Mike said...

Anyone else wonder what it cost for the flyover?

FredSays said...

The solution to the shutdown was imminent when Thune made the Senate work on the weekend. It’s really that simple.

AZ Bob said...

Shame on the fans who booed when service members were sworn in by Trump. You can see why Dems want to make DC a state.

n.n said...

Public debt is resolved through medical and pharmaceutical price and health care reform. The progressive load on the economy has not followed with improved health. The same with education that leads debt progression in second place. The obesity progression and chronic conditions has occurred with greater consumption of lower quality foods at greater costs in product and health.

n.n said...

The grueling 9 to 5... weekend shift.

Peachy said...

The corrupt lying democratic party are still going to push for free health care for illegals - while they lie they are doing so.
The corrupt left will also continue to push tax payer funded covid era ObamaCare subsidies for people who are 400% above the poverty line.

Leland said...

Democrats couldn't afford this prior to the election:

Civil War Breaks Out Among Democrats After Caving on Shutdown: ‘Pathetic’

The shutdown was caused by Democrats, ran as long as it did because of Democrats, and was always about the most radical aspect of the Democrat Party wanting to push their agenda, despite being a minority in the minority party. They are the louder voices in their own party.

Peachy said...

The ACA already made our insurance costs skyrocket.
Want to know why those "evil" Insurance company executives make so much money - it's all the Demoratics meddling.

Leland said...

+1 Peachy 8:54a

bgates said...

when health insurance costs skyrocket for 22 million Americans he claimed without evidence. Fake News - Obama fixed health insurance 15 years ago. Just like "antifa" means "opposed to fascism", "The Affordable Care Act" means Democrats made care affordable - it's right there in the name.

Humperdink said...

Snap benefits should be issued on a BMI sliding scale.

narciso said...

Thanks bgates for that

Not Illinois Resident said...

Sat in a local Dem Party office recently, waiting for a meeting concerning a local issue to begin. Prior to meeting start, everyone sitting in our kindergarten-like circle of chairs, attendees chattered about "ICE, ICE, ICE", half-truths, fake media news, outright lies, about a major big city 3 hours from us. "Home Depot employees being deported, snatched from inside stores during work!". Nope. "You get arrested if you blow your alarm whistle!" Nope. "They're snatching children and their parents from inside schools!" Nope. "My husband will get arrested even though he's a naturalized citizen!" Nope, not unless he's got a criminal arrest warrant. "I'm a naturalized citizen from Ireland, and I'm afraid they will grab me too!" Nope, ridiculous, middle-aged wealthy white lady with fading red hair and freckles. "Only our black and brown neighbors will be snatched!" Nope, Eastern Europeans who've overstayed their tourist visas, who've criminal convictions, are also arrested by ICE in that big city. Not noted, my former big city home is experiencing a SHARP drop in murders in 2025, lowest number since 1965, and is also seeing a SHARP decline in street crimes and crime in general in low-income neighborhoods --- hmmmm, that huge uptick in street-crime, in knifings, seems to coincide with the Biden administration years. But here in small city, these stalwart local Dem Party middle-aged ladies, cocooned in their low-crime lakefront community, are still in full-blown DTS.

Aggie said...

Tim Kaine: ..."SENATOR KAINE: "I was so focused on the Virginia elections I wasn't in this discussion on the healthcare to see how dug in they were."

As we've seen noted here, the Democrats were happy to keep the shutdown going through the 2025 election cycle. But: What was so important to Democrat national politics? The NYC election was unsurprising, predicted - and it's just a city. The New Jersey and Virginia gubernatorial elections: How are they fundamental to party strategy? Why would New Jersey and Virginia elections be key to their midterm strategy, important enough to factor into keeping the whole of Federal Government shut down? Not seeing it.

n.n said...

Abstraction layers and monopolistic practices are first-order forcings of progressive prices and health. Labor, environmental, and monetary arbitrage schemes are myopic solutions with collateral damage.

Mike (MJB Wolf) said...

Point 6 is a cruel joke for the true believers, only requiring that Trump rehire those RIFs after October 1. Any prior CR would have literally given them a better result than this deal. Democrats must have been spooked by the airline disruptions.

Howard said...

The DNC Davos Democrats had to create a shutdown showdown shitshow to win elections on their solidly home turf... and they lost NYC to a loose cannon kid not beholden to the Machine.

Howard said...

This helps people forget Trump got nothing in his big beautiful blustery bumbling of the China trade capitulation.

Iman said...

Gloat if you want to
Gloat around the world
Gloat if you want to
Without fail, without shame
Gloat if you want to
Gloat around the world
Gloat if you want to
How the hog eats the cabbage
And the Dems get teh Blame

h/t B-52s

Howard said...

The Top Gub music theme as AF1 does a low pass over the stadium is a nice schmaltzy touch for the schmucks and schmendricks.

Mike (MJB Wolf) said...

Remember when Democrats used to fret about default and uttered very serious phrases like "full faith and credit of the United States" and other nonsense they never really believed?

Now we end shutdowns for silly and mundane reasons like little Timmy Kaine finally NOTICED he could vote to end that shutdown of which he became suddenly aware!

narciso said...

They were never serious about that

Mike (MJB Wolf) said...

China did in fact resume exports of rare earth magnets because Trump had accumulated deals for the raw materials for same in every stop on the way to meet Xi. Xi suddenly got boxed by the dealmaker. So the resumption of soybean sales was icing on the rare earth-cake Big Orange brought home. By now even the Japanese have pulled auto manufacturing from China.

We've barely scratched the surface of the complicated dance with CCP, including their first call for emergency help with a satellite. Yes we helped. We're America!

Iman said...

Howie’s Cognitive Dissonance coming home…

to roost!

narciso said...

He will nevef get over macho grande

Greg The Class Traitor said...

ADDED: Will Trump gloat? Should he? He hasn't put anything up on Truth Social since his display — 13 hours ago — of Air Force One flying over the football stadium. And at X, 9 hours ago:

Probably not, and no.

He's got lots of people (like me) who will be happy to gloat and point out that the Dems accomplished absolutely nothing with their shutdown. Him not gloating, just like him being at the NFL, is a bigger insult to the Dems than anything he could say

Yancey Ward said...

"I wish the NYT would be scrupulously accurate."

That's like wishing to win Powerball.

Greg The Class Traitor said...

6. Democrats at least have "some concessions in their fight against the Trump administration’s concerted effort to reconfigure and diminish the federal government." That's not about health care. It's about rehiring those who were laid off during the shutdown and barring further layoffs until January 30th.

IOW, all they're getting is SOME roll back on things that Trump could ONLY do because they filibustered the CR.

Idiots and losers

Greg The Class Traitor said...

Note: I wonder how much this cave has to do with KJB's Administrative stay of the SNAP orders?

She basically told Senate Dems "you've got 2 days to get SNAP funded, or else the rest of SCOTUS is going to rule that Trump's in charge, and the judges are not".
Viola, Senate Dems cave

Yancey Ward said...

"I strongly hope Trump praises the end of the Democrat filibuster and then... shuts up and moves on to other victories. A wise man does not rub it in."

Trump should praise every single Democrat Senator who voted for cloture last night- he should do it every single day this week. It will cause them nothing but misery.

gilbar said...

narciso said...
.."He will nevef get over macho grande.."

Shirley you can't STILL be quoting That movie!

Inga said...

When people’s health insurance premiums are no longer affordable, people will drop health insurance. Emergency rooms will once again become the health care provider for millions of people. The stark reality hasn’t hit people in the pocketbook yet, but it won’t be long before it does.

Yancey Ward said...

Let me put some numbers of ACA health insurance since I have been enrolled in such plans for a number of years now:

Next year, my insurance plan will cost $16344- I will pay premiums that total over the year to $366. The government pays the insurance company the rest- $15978. And I am most definitely not poor- it is just that almost all my yearly income is in tax defferred accounts. I am 59 and retired.

boatbuilder said...

Isn't it wrong to use the phrase "go hungry"? One could stave off hunger for very little money if the food aid you were used to is cut off. I wish the NYT would be scrupulously accurate. It is still possible to use one's own cash, however little, to buy enough cheap food to avoid hunger.

It is apparently the practice of "poor people" receiving SNAP benefits to allow their babies to starve. At least if one believes the MSM.

Original Mike said...

"Next year, my insurance plan will cost $16344- I will pay premiums that total over the year to $366. The government pays the insurance company the rest- $15978."

Wow.

How does the expiration of the "emergency" subsidies impact those numbers?

Yancey Ward said...

"How does the expiration of the "emergency" subsidies impact those numbers?"

Not at all- those are the numbers with the COVID additions ended. Now, I don't know what that exact plan would have cost with the additional subsidies since I am changing plans but I would guess the premium costs to me would have been zero for next year with the added subsidies.

boatbuilder said...

buwaya argues that the solution to a health care market that has been absolutely screwed by half-assed socialism is to go full socialism.

Joe Bar said...

Aggie said...
"The New Jersey and Virginia gubernatorial elections: How are they fundamental to party strategy? "

The Virginia democrats are now poised to do some really rotten things here in Virginia, including unconstitutional redistricting that will swap four republican representatives for dems.
I cannot speak for New Jersey.

boatbuilder said...

When people’s health insurance premiums are no longer affordable, people will drop health insurance. Emergency rooms will once again become the health care provider for millions of people. The stark reality hasn’t hit people in the pocketbook yet, but it won’t be long before it does.

Like in the bad old days before Obama fixed everything.

Milwaukie guy said...

Not germane to the main conversation but I get tired of people asking what military flyovers of sports stadiums cost. They don't cost anything.

Pilots require so many flight hours per month. Scheduling flight hours during a football game and routing the flight path over the stadium is a freebie. Prove me wrong.

Freder Frederson said...

Isn't it wrong to use the phrase "go hungry"? One could stave off hunger for very little money if the food aid you were used to is cut off. I wish the NYT would be scrupulously accurate. It is still possible to use one's own cash, however little, to buy enough cheap food to avoid hunger.

Shorter Ann Altoinette: "Let them eat cake".

Fred Drinkwater said...

My own experience with ACA was roughly $12000 premium + $12000 out of pocket (maximum per person), for a couple. This was a Bronze tier plan. Three years were partly subsidized, although I am in a similar financial situation as Yancey. A lot of that subsidy was clawed back by my 1040.

Iman said...

Shortest Fredo: “My birthday?!?! Again?”

Fred Drinkwater said...

Milwaukie, quite right. My father used to have to do extra flights to nowhere ("Fred, wanna come with me to Stockton eight times tonight?") to stay current in the many aircraft types he flew.

Original Mike said...

"My own experience with ACA was roughly $12000 premium + $12000 out of pocket (maximum per person), for a couple."

Fred - Was the $12,000 premium paid entirely by you? That would be different than what Yancey reports.

Yancey Ward said...

As I noted, most of my yearly income (interest and dividends) is in my IRA and Roth IRA. Outside the IRAs I hold only very minor interest/dividend paying instruments with the bulk in non-dividend paying growth stocks, though I am slowly migrating those to a more balance 50/50 bonds/stocks as I age. Additionally, I continue to defer my pension draws since I don't actually need the income it would provide right now. So, I structure my taxable income exactly at the poverty line so that I get max ACA subsidies, which in 2026 is about $16,000/yr (I forget what the exact number is for TN for 2026). I chose, this year, a different silver plan from Blue Cross/Blue Shield because the cost of the present plan that expires at the end of this year had gotten to $250/month and there is no real difference between the new silver plan (Ambetter) at $28/month other than for things I would not use anyway. I could have any of several bronze plans at $0/month but the out of pocket max increases and deductibles make spending $366/year a no-brainer.

Aaron said...

"The only political win for Democrats here is that when health insurance costs skyrocket for 22 million Americans in just 42 days, even low-information voters will clearly see that Republicans are the ones responsible. Whether that makes all of this worth it remains to be seen."

Are people not aware we have a 6% deficit?

And that these subsidies were going to $200k income people?

I was buying insurance and plugged in different incomes.

$300k also got some subsidy.

$500k did not.

Aaron said...

BTW, you pay for the subsidies. I guess people like the idea of their grandchildren slaving away to pay for subsidies for them in 2025.

Original Mike said...

"So, I structure my taxable income exactly at the poverty line so that I get max ACA subsidies, which in 2026 is about $16,000/yr "

IOW, if you're at the poverty line, you pay virtually no premium for ACA insurance. That tends to support the claim that ACA subsidies are going to the not-poor as well as the poor.

SeanF said...

Inga: When people’s health insurance premiums are no longer affordable, people will drop health insurance.

Doesn't the ACA make it illegal for people to "drop health insurance"?

effinayright said...

"Viola, Senate Dems cave"
**************
Viola, indeed!

effinayright said...

Freder said:

"Shorter Ann Altoinette: "Let them eat cake"."
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Judging from obesity stats collected by the CDC and other health agencies, that's what most SNAP recipients eat already.

It's junk food, junk food all the way down.

Yancey Ward said...

"IOW, if you're at the poverty line, you pay virtually no premium for ACA insurance. That tends to support the claim that ACA subsidies are going to the not-poor as well as the poor."

Exactly right. And, note, whether or not you qualify for subsidies on the exchanges is measured only on your modified adjusted gross income- in other words, any income out of a Roth IRA doesn't factor into it the calculation at all- you can have, for example, $50,000/year in Roth IRA distributions and still qualify for full ACA subsidies.

Leland said...

SeanF said...
Doesn't the ACA make it illegal for people to "drop health insurance"?


The penalty for not having insurance was repealed in 2017 with the law going into effect in 2019.

Fred Drinkwater said...

Original Mike, A few years I had subsidies based on very low ordinary income. Some were clawed back on the 1040 because of capital gains things. My premiums got as low as a couple hundred per month once or twice. But of course that had no effect on my out-of-pocket costs for actual medical expenditures, which were capped at (IIRC) $12000 per individual per year.
So as insurance goes, it sucked either way.
Bring back Catastrophic Insurance. I hate going through insurance for ordinary stuff. (e.g. last week I discovered that garden-variety pills that cost me about $1 each out of pocket, have a nominal retail cost of $25 each. God only knows what Medicare gets billed or what they actually pay. Also, those pills are available for even less cost to me via Cuban's "Cost Plus Drugs").

DINKY DAU 45 said...

yes BIG WINNER EMERGENCY ROOMS! Lot of job openings!

Jim at said...

When people’s health insurance premiums are no longer affordable, people will drop health insurance. Emergency rooms will once again become the health care provider for millions of people.

Who wants to tell Inga this is exactly what's been happening since the passage of her precious Obamacare?

Mason G said...

If insurance premiums are high enough to require government subsidies, doesn't that mean they're not affordable?

Original Mike said...

"Bring back Catastrophic Insurance."

Yep.

Ralph L said...

My ACA out of pocket maximums were under $1k when my income was under $25k or so, but they rise quickly with income. It's rude that mutual fund capital gains are taxable without cashing them in--that's thrown my income way up in some years.

The two Medicare Advantage plans I'm looking at both have a $2100 Rx maximum for drugs the plan covers, but that varied, as did the health cost max. Can anyone rate Cigna/HealthSpring for service?

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