House passes Republican health care bill

Valletta · 2025-12-17T19:19:08-0600

House passes Republican health care bill that does not include extension of Obamacare subsidies

The bill, dubbed the Lower Health Care Premiums for All Americans Act, was passed in a 216-211 vote, with just Kentucky GOP Rep. Thomas Massie voting with Democrats against the legislation.

justthenews.com

Finally a bill that will actually cut costs for patients instead of making insurance companies wealthier.

JosephZ · 2025-12-17T19:47:49-0600

Valletta said:
Finally a bill that will actually cut costs for patients instead of making insurance companies wealthier.

Don't get excited; it's not going anywhere and will die in the Senate. Meanwhile, health insurance premiums are about to get a lot more expensive for millions of Americans since there wasn't a vote to extend ACA subsidies.

Valletta · 2025-12-17T19:56:30-0600

JosephZ said:
Don't get excited; it's not going anywhere and will die in the Senate. Meanwhile, health insurance premiums are about to get a lot more expensive for millions of Americans since there wasn't a vote to extend ACA subsidies.

I hope Democrats don't block more affordable insurance. We can all contact our senators and ask for a "yes" vote for the Lower Health Care Premiums for All Americans Act!

GoldenBoy89 · 2025-12-17T20:36:56-0600

Valletta said:
House passes Republican health care bill that does not include extension of Obamacare subsidies

The bill, dubbed the Lower Health Care Premiums for All Americans Act, was passed in a 216-211 vote, with just Kentucky GOP Rep. Thomas Massie voting with Democrats against the legislation.

justthenews.com

Finally a bill that will actually cut costs for patients instead of making insurance companies wealthier.

I’ll believe it when I see it.

Hans Blaster · 2025-12-17T21:28:33-0600

Valletta said:
House passes Republican health care bill that does not include extension of Obamacare subsidies

The bill, dubbed the Lower Health Care Premiums for All Americans Act, was passed in a 216-211 vote, with just Kentucky GOP Rep. Thomas Massie voting with Democrats against the legislation.

justthenews.com

Finally a bill that will actually cut costs for patients instead of making insurance companies wealthier.

How will it do that?

The first part was something about forming insurance groups for groups of employers, the second was some thing about pharmacy benefit managers that won't take effect until 30 months after passage.

Valletta · 2025-12-17T22:20:17-0600

Hans Blaster said:
How will it do that?

The first part was something about forming insurance groups for groups of employers, the second was some thing about pharmacy benefit managers that won't take effect until 30 months after passage.

"the Lower Health Care Premiums for All Americans Act contains a strong initial set of policies that expand choice, particularly for small employers, enhance competition and transparency, and reduce ACA silver plan premiums by 12 percent while lowering federal spending by roughly $30 billion."
" . . .policymakers should consider expanding access to guarantee renewable short-term health-insurance plans, opening up ACA catastrophic plans, taking steps to expand access to HSAs, and site neutral payment reform in government programs."

Lower Health Care Premiums for All Americans Act

The House has introduced the Lower Health Care Premiums for All Americans Act to address the ways in which the ACA drives skyrocketing costs.

paragoninstitute.org

Hans Blaster · 2025-12-17T23:32:52-0600

Valletta said:
"the Lower Health Care Premiums for All Americans Act contains a strong initial set of policies that expand choice, particularly for small employers, enhance competition and transparency, and reduce ACA silver plan premiums by 12 percent while lowering federal spending by roughly $30 billion."

Mmmkay.

Valletta said:
" . . .policymakers should consider expanding access to guarantee renewable short-term health-insurance plans, opening up ACA catastrophic plans, taking steps to expand access to HSAs, and site neutral payment reform in government programs."

Lower Health Care Premiums for All Americans Act

The House has introduced the Lower Health Care Premiums for All Americans Act to address the ways in which the ACA drives skyrocketing costs.

paragoninstitute.org

It's hard to evaluate a plan with complex language that I'd never heard of before it was passed.

Maria Billingsley · 2025-12-18T05:55:08-0600

After much research, the "Lower Health Care Premiums for All Americans Act," will be disastrous as under its hood are missing parts! Here is the conclusion of my research:

AI Generated

The core superiority of the Affordable Care Act (ACA) structure over the expanded Association Health Plans (AHPs), as proposed in the House bill, lies in its guaranteed consumer protections and market stability. While the "Lower Health Care Premiums for All Americans Act" aims to lower monthly premiums by formally expanding AHPs (which pool members to gain large-group status) and introducing Pharmacy Benefit Manager (PBM) transparency, it achieves lower premiums partly by allowing AHPs to avoid key ACA mandates. This means that unlike ACA-compliant plans, expanded AHPs are generally not required to cover all ten Essential Health Benefits (such as maternity care and mental health services), potentially exposing enrollees to catastrophic out-of-pocket costs for excluded necessary care. Furthermore, critics contend that by drawing healthier workers into these less-regulated, cheaper plans, the AHP expansion could destabilize the comprehensive ACA individual and small-group markets, causing premiums to rise further for sicker individuals who rely on the ACA's robust coverage.

Desk trauma · 2025-12-18T05:58:24-0600

Maria Billingsley said:
Here is the conclusion of my research:

AI Generated

Own research, AI generated, pick one.

Maria Billingsley · 2025-12-18T06:01:01-0600

Desk trauma said:
Own research, AI generated, pick one.

Both. Took me about an hour to get all the information, then formulate it with the help of AI to clearly relate the findings.

Larniavc · 2025-12-18T06:26:42-0600

Valletta said:
House passes Republican health care bill that does not include extension of Obamacare subsidies

The bill, dubbed the Lower Health Care Premiums for All Americans Act, was passed in a 216-211 vote, with just Kentucky GOP Rep. Thomas Massie voting with Democrats against the legislation.

justthenews.com

Finally a bill that will actually cut costs for patients instead of making insurance companies wealthier.

Any money it reduces coverage.

Laodicean60 · 2025-12-18T09:28:17-0600

JosephZ said:
extend ACA subsidies

Sounds like you're saying this bill removed all ACA subsidies. They are allowing the enhanced subsidies introduced under the Biden administration to expire, maybe COVID?

ThatRobGuy · 2025-12-18T09:31:32-0600

I don't know that this is actually "lowering healthcare costs for patients".

It may provide a lower monthly premium option that's less of a monthly expenditure for "policy holders", but then becomes wildly more expensive once a person goes from mere "policy holder" to "actual patient"

The monthly premium reduction by going from a more comprehensive policy to a high-deductible HSA or "catastrophic" plan would be easily offset by 10-fold the first time a person has any healthcare needs that go beyond a yearly physical or tele-doc visit for a sinus infection.

For example, switching from a comprehensive plan (with reasonable out of pocket limits, and deductibles) for $300/month to a high deductible HSA for $90/month.

Sure, you may be saving $2500/year on premium payments...

However, even something somewhat common like a broken ankle, needing to get an appendix taken out, tonsils out, etc...

When you have to meet a $7500 deductible followed by an 20/80 split for the remaining amount until a $15,000 max out of pocket is reached... A broken ankle can effectively wipe you out.

For some reason it reminds me of that Monty Python "Insurance Sketch"

"Well you see, you went with our never-pay policy, which is a great way to save money if you never file a claim"

Perhaps a more accurate way for them to have framed it is "More affordable, until something actually happens"

DaisyDay · 2025-12-18T09:46:17-0600

Laodicean60 said:
Sounds like you're saying this bill removed all ACA subsidies. They are allowing the enhanced subsidies introduced under the Biden administration to expire, maybe COVID?

Not extending has the same result as removing, but the not extending was done by the Big Beautiful Bill.

eleos1954 · 2025-12-18T11:24:17-0600

Valletta said:
House passes Republican health care bill that does not include extension of Obamacare subsidies

The bill, dubbed the Lower Health Care Premiums for All Americans Act, was passed in a 216-211 vote, with just Kentucky GOP Rep. Thomas Massie voting with Democrats against the legislation.

justthenews.com

Finally a bill that will actually cut costs for patients instead of making insurance companies wealthier.

It will have to pass the senate ... I'm not confident it will

House passes Republican health care bill

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