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Small group health insurance market rates announced
Media Release, Office of Superintendent of Insurance (OSI) Santa Fe, NM – The New Mexico Office of Superintendent of Insurance (OSI) has approved 2027 health insurance premium rates for the small group health insurance market. As of March 2026, over 31,000 New Mexicans were enrolled in a small group plan. The average increase across small group plans is 19.8%. These rates take effect on January 1, 2027. The carriers offering small group coverage in New Mexico in 2027 are: Blue Cross Blue Shield of New Mexico (HealthCare Service Corporation) Presbyterian Health Plan Presbyterian Insurance Company UnitedHealthcare of New Mexico UnitedHealthcare Insurance Company Key Factors Driving the Rate Increases The primary factors that contributed to the 2027 increases are: Claims Experience - Higher than expected 2025 New Mexico claims experience, which is the foundation for the 2027 rate development. Cost Trend - Higher utilization and inflation impacted healthcare costs services, which impacts medical services and pharmaceutical costs nationwide. Risk Pool Changes - Nationwide, businesses with healthier employees are opting for alternative health coverage not under the Affordable Care Act (ACA). This results ina smaller and less healthy small group ACA risk pool. Final approved rates will be posted on the OSI website. To view the carrier rate sheets and rate increase specifics, visit the Office of Superintendent of Insurance website here. The Rate Review Process Conducted by OSI The OSI rate review process focuses on approving rates for health insurance plans that are actuarially sound, not excessive, inadequate, or unfairly discriminatory and ensuring health insurance rates comply with all state and federal laws. For more information, visit the Office of Superintendent of Insurance website at https://osi.state.nm.us/en/. *** About the Office of Superintendent of Insurance The Office of Superintendent of Insurance (OSI) is New Mexico’s regulatory agency responsible for overseeing a wide range of insurance products, including private health and life insurance, auto, home, business, and title insurance. OSI regulates private health plans in the individual, small group, and large group markets, ensuring that premium rates are fair, companies are financially sound, and health care insurance coverage is reliable. While OSI does not have authority over self-funded health plans, where an employer assumes the financial responsibility for paying employee health care claims, Medicaid, Medicare, or TRICARE, OSI plays a vital role in protecting consumers by reviewing premium rates, monitoring insurance company conduct, and licensing producers (formerly known as insurance brokers and agents).
Health insurance rates rise across Colorado, with the biggest increases hitting the Western Slope
Health insurance premiums for Coloradans using the state’s Affordable Care Act marketplace are increasing by an average of 10% in 2027, lower than preliminary rates showed in June. Western Slope residents, however, are set to...
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
Trump sends out $500 ACA refunds and a letter promoting his record
The rebate checks are headed to nearly 1 million people President Donald Trump says were overcharged under the Affordable Care Act.
Virginia Democrats warn more healthcare strains loom after November election
Christina Rivera kept her health insurance this year because she needed major back surgery. But maintaining coverage meant absorbing a monthly premium that rose from $235 in 2025 to $1,336 in 2026 — with a higher deductible. “That’s just not reasonable for anybody who is relying on the ACA for healthcare,” said Riviera, a Charlottesville-area resident and founder of the nonprofit Called to Justice. “I don’t have that sitting around. It’s not in the cushions of the couch.” Small nonprofits often depend on the Affordable Care Act marketplace because reasonably priced group coverage is out of reach, Rivera said. After enhanced federal premium tax credits expired last December, her insurance bill became another financial burden alongside groceries, gasoline and utilities.
CareSource, Molina to drop ACA Marketplace plans in Ohio in 2027
Dayton-based health insurer CareSource, along with another health insurer Molina Healthcare of Ohio, will not have plans offered through the Affordable Care Act Marketplace in Ohio in 2027.
The New Health Care Populism
Fear over rising costs is fueling bipartisan motivation to confront drug companies, insurers, and pharmacy benefit managers directly, with candidates on both sides racing to appear stronger on those areas than their opponents rather than litigating the Affordable Care Act. Republicans have been espe
Rogers Tries to Make El-Sayed’s Health Care Plan Scary
_Taylor, Michigan_HERE’S HOW YOU CAN TELL Mike Rogers is anxious to make up ground in the Michigan Senate race: He held a press conference on health care last weekend. Health care is usually a rough issue for Republicans, because voters associate the GOP with attacking cherished programs like Medicare and Medicaid that Democrats have historically supported. It’s a particularly difficult issue in this campaign, because a few months ago Donald Trump and the Republicans refused to extend temporary financial assistance in the Affordable Care Act. As a result of that decision, more than 20 million Americans faced higher insurance prices this year. That’s not a policy choice you want to be defending at a time when voters frequently cite the cost of health care as a top concern. Throw in the fact that Democratic nominee Abdul El-Sayed can draw on his credibility as a doctor and former public health director in Detroit, and it might seem like Rogers’s best bet would be to avoid health care altogether. But Rogers had his reasons to spotlight health care last Saturday. And they became apparent a few minutes before he spoke, when members of his campaign staff There’s a lot happening. Too much, some days. We can’t promise to have all the answers. But we can promise to keep asking the questions, following the facts, and figuring things out alongside people who care about where this country is headed. Read with us. Learn with us. And when it matters, stand with us. Join the side you’re already on. Join Bulwark+
Harrison: Will Mississippi politicians avoid blame for rising healthcare costs?
Nearly all of Mississippi’s congressional delegation voted against extending the enhanced tax credits or subsidies for the Affordable Care Act Marketplace insurance policies.
U.S. health insurance premiums jumped 78% since 2011 — now even doctors and nurses are canceling their own coverage
Nearly three million people have dropped out of Affordable Care Act plans in just one calendar year.
DC Health Link Not Impacted by Federal Health Insurance Cancellations
Earlier this week, the Trump Administration announced plans to remove more than 750,000 Americans from health insurance plans purchased through healthcare.gov, a marketplace established by the Affordable Care Act (ACA). The administration alleges that the removed individuals were fraudulently enrolled in the program. In the District of Columbia, the DC Health Benefit Exchange Authority (DCHBX) […]
Trump administration to remove 760,000 Affordable Care Act enrollees over fraud claims
White House officials allege these individuals were fraudulently enrolled in the program or do not exist. Vice President Vance said the move would save $2.2 billion.
HHS cancels health insurance of 760,000 individuals enrolled in healthcare.gov plans
The Department of Health and Human Services announced something it's never done before - canceled the health insurance of 760,000 individuals enrolled in plans in the Affordable Care Act marketplace.
Pa. approves steep rate hikes for 2027 Pennie health insurance plans
Pennsylvanians who buy health insurance on the state’s Affordable Care Act marketplace — called Pennie — are set to see another year of sharp rate hikes as state regulators approved double-digit increases for 2027. The Pennsylvania Insurance Department, responsible for analyzing and approving rate proposals by insurance companies, announced that
Trump Administration’s "Anti-Fraud" Task Force Is Just Doubling Down on Policies to Push and Price People Out of Health Coverage
WASHINGTON, D.C. – Anthony Wright, executive director of Families USA, issued the following statement in response to Vice President JD Vance’s announcement today that the administration is removing more than 750,000 people from Affordable Care Act marketplace coverage, with another 440,000 under review: “Once again, the Trump administration is using alleged fraud accusations as a […]
Trump administration cuts ACA coverage for 750,000 people it says were ‘fraudulently’ enrolled
Health policy experts say Affordable Care Act fraud exists, but they question the administration’s claims about the scale.
Sen. Lesser Statement on Trump Administration Healthcare Cuts
Sen. Lesser Statement on Trump Administration Healthcare Cuts Today, State Senator Matt Lesser, Senate Chair of the Human Services Committee, issued a statement in response to Vice President J.D. Vance announcing that 760,000 Americans will be losing health insurance. The Vice President claims that 760,000 people were fraudulently enrolled in Affordable Care Act coverage, and 419,000 more people would face…
Trump administration to remove 760,000 Affordable Care Act enrollees
The vice president cited fraud
Trump administration to remove 760,000 Affordable Care Act enrollees
The vice president cited fraud
Pennsylvanians buying 2027 health insurance on Pennie will face 16% average premium increase
Loss of pandemic-era tax credits and high use of medical care are driving up costs on Pennie, the state’s Affordable Care Act marketplace, insurance officials say.
Health insurance premiums to see 16% spike as PA insurance department release '27 rates
Pennsylvanians who buy health insurance through the Affordable Care Act marketplace will see a noticeable spike in their premiums, according to PID.
Double-digit increases await Pennsylvania Obamacare enrollees
For the second year in a row, Pennsylvanians with individual health insurance through the Affordable Care Act will see an average double-digit increase...
Gov. Pritzker Launches Illinois Reproductive Health Care Hub
New website centralizes resources for reproductive care in Illinois, connecting site visitors to medical providers, affordable care options, and helpful information
Healthcare affordability is shaping competitive races ahead of the midterm elections
Healthcare costs are rising at their fastest pace in decades, just as early voting begins in Virginia. KFF Health News' Julie Rovner says the moment echoes the run-up to the Affordable Care Act — and voters are taking notice.
Kansas City hospitals are seeing more patients without insurance
The end of enhanced subsidies for Affordable Care Act plans is adding to the tally of uninsured patients. New Medicaid requirements coming in January could be a multiplier.
Up, up, and away: Are double-digit health insurance rate increases ahead?
Twelve Affordable Care Act participating insurers submitted for rate increases in the coming year, data published by KFF show.
Up, up, and away: Are double-digit health insurance rate increases ahead?
It looks like another round of health insurance premium increases for millions of Floridians who get their insurance through the federal health care makretplaces. Twelve Affordable Care Act participating insurers submitted for rate increases in the coming year, data published by KFF show. AmeriHealth Caritas Florida filed for the largest increase, 39.14%. By contrast, Centene […]
Trump to send $500 rebate checks to nearly one million Obamacare enrollees
A day after promising to send $5,000 dividend payments to all Americans, President Donald Trump announced Thursday that he would distribute $500 rebate checks to nearly one million Affordable Care Act enrollees in 30 states.
WA families using Affordable Care Act insurance face average 22% rate hike
Washington’s ACA health insurance rates will rise an average 22.2% in 2027, hitting families and others who buy their own coverage.
Health insurance premiums estimated to increase upwards of 10%, analyses say
Health insurance premiums in Ohio are expected to increase by about 10.7%, according to an analysis from Healthinsurance.org based on health premiums in the individual market. Affordable Care Act Marketplace insurers are proposing a median premium increase of 15% in 2027, according to an analysis of insurers with publicly available filings by KFF, a nonprofit health policy research, polling, and news organization.
Health insurance premiums estimated to increased upwards of 10%, analyses say
Health insurance premiums in Ohio are expected to increase by about 10.7%, according to an analysis from Healthinsurance.org based on health premiums in the individual market. Affordable Care Act Marketplace insurers are proposing a median premium increase of 15% in 2027, according to an analysis of insurers with publicly available filings by KFF, a nonprofit health policy research, polling, and news organization.
2027 rates established for Del. Health Insurance Marketplace Coverage
What will be the cost of 2027 coverage under the Affordable Care Act?
Chaney: Mississippians deserve more affordable health insurance options
Over the past year, more than 200,000 Mississippians have left the Affordable Care Act marketplace as the cost of coverage has increased due to the expiration
Pa. Health insurers propose 2027 rate hikes as Pennsylvanians grapple with rising costs
Thousands of Pennsylvanians dropped their health plans purchased on the state’s Affordable Care Act marketplace, Pennie, after the expiration of federal subsidies more than doubled monthly costs. Now, many health insurers that offer plans through Pennie are proposing rate increases for 2027.
Mike Chaney: Mississippians deserve more affordable health insurance options
Over the past year, more than 200,000 Mississippians have left the Affordable Care Act marketplace as the cost of coverage has increased due to the expiration of the Enhanced Premium Tax Credits at the end of 2025.
Data shows 94,000 Virginians have dropped their ACA insurance since last year
Of an estimated 100,000 people whom Virginia health leaders predicted were vulnerable to losing their Affordable Care Act insurance, 94,000 have dropped it.
Florida, hard-hit by Obamacare drop-off, feels the squeeze of rising healthcare costs
Florida has emerged as a national epicenter of the fallout from expired Affordable Care Act subsidies.
How Obamacare changed healthcare
Affordable Care Act enrollment is plummeting. What happened?
Florida feels the pain as health coverage gets harder to afford
Florida chef Elijah Button faces a tough situation after losing his Affordable Care Act health insurance due to a premium hike. The 21-year-old St.
Florida, hard-hit by Obamacare drop-off, feels the squeeze of rising healthcare costs
Florida chef Elijah Button faces a tough situation after losing his Affordable Care Act health insurance due to a premium hike
Cheaper health insurance changed their lives. Then it went away.
Part 1 of an occasional series on how people are being affected by the expiration of Affordable Care Act subsidies. EDWARDS, Miss. — Every now and then a freight train rumbles through, creaking and groaning on the rusted tracks that run along the edge of the largely deserted downtown. On some days, that train is […]
Healthcare saving hacks to consider before November's open enrollment
As insurance costs continue to rise, coupled with recent changes to the Affordable Care Act, some of the subsidies people count on have been rescinded. So how do you save money on healthcare?
Haywood County residents rethink health care coverage after premium increase
Nearly nine months after marketplace health care plans increased in double digits, data show that Affordable Care Act enrollment in Haywood County decreased.
Report: Health care premiums doubled for 200,000 Washingtonians after Trump cuts
More than 200,000 Washingtonians have seen their health insurance premiums double after Republicans declined to extend enhanced Affordable Care Act premium tax
Inside America's health insurance 'death spiral'
The Affordable Care Act is facing what policy experts call its most serious affordability crisis since it began widely offering coverage more than a decade ago
The U.S. Healthcare System is Already Mostly Socialized
Now that Abdul El-Sayed is the Democratic nominee for Michigan’s open Senate seat, the outcome of this crucial race will depend mainly on two things: Whether Republicans succeed in demonizing El-Sayed because he’s brown and a Muslim, and whether they succeed in demonizing him as a left-wing radical. I will defer for the now the question of whether bigotry will be effective this year, although I will address it another day. What I want to address instead is El-Sayed’s signature issue — healthcare. Yes, El-Sayed advocates Medicare for All, a position the usual suspects denounce as “socialism.” I will get to the politics of his stance soon. Today, however, I want to talk about the substance. We should be clear that El-Sayed doesn’t even call himself a socialist. On the contrary, he explicitly disavows the label, saying “I’m a capitalist who just knows about capitalism”. In fact, as I explained in a previous post, the policies that El-Sayed advocates qualify him as a social democrat, not a socialist. Still, El-Sayed advocates a system under which the government would pay almost all medical expenses. Isn’t that socialism? Well, if that is the criterion then much of U.S. healthcare is already socialist. In fact, the government’s role is so large that U.S. healthcare is better described as partially privatized socialism than as anything resembling a free market. Let’s start with the raw numbers on health insurance, which pays the bulk of Americans’ medical expenses. Americans receive health insurance either from private companies or from public programs, overwhelmingly Medicare and Medicaid. Here’s what the breakdown of coverage and spending between private and public looked like in 2024: While a majority of Americans with health insurance get it from private companies, well over 100 million of us are covered by government programs instead. And these government programs pay more total dollars for medical bills than the private insurers do. Why do government programs that cover a minority of the population account for a majority of health insurers’ outlays? Mainly because Medicare covers seniors, and we’re expensive. Also, while Medicaid covers many younger Americans, disabled and elderly beneficiaries account for most of its spending. Even by the raw numbers, then, U.S. health insurance looks as much public as private. But that understates the government’s role: Private health insurance in the U.S. is both highly regulated and heavily subsidized. This is obviously true for the insurance coverage purchased by tens of millions of Americans through the exchanges established by the Affordable Care Act. But employment-based health insurance, which covers 161 million Americans, is far more of a government creation than most people realize. For employment-based insurance exists largely because of huge implicit government subsidies that come with major strings attached. Here’s how that works. If your employer pays you $10,000, that’s taxable income. But if your employer pays $10,000 toward a company health insurance plan that meets certain criteria, it isn’t taxable. That’s a huge effective subsidy, running at more than $300 billion a year. Take that subsidy into account, along with the more than $100 billion per year spent subsidizing policies purchased under the ACA, as well as the outlays on Medicare and Medicaid, and net effect is that the government pays for more than two-thirds of Americans’ health insurance. Granted, there are strings attached. Roughly speaking, employment-based health plans can’t discriminate based on medical history — that is, they can’t deny coverage to employees with pre-existing conditions — and they also can’t offer the plans only to highly compensated employees — a health plan that is only for the C-suite is considered taxable income. So given the restrictions of the federal tax code, employer-based health insurance is a lot like Obamacare, which also prohibits discrimination based on medical history and provides subsidies to make insurance affordable to lower-paid workers. The fact is that virtually all of private healthcare insurance is already well under some form of government control through regulation and tax subsidies. How should we think about this system? First of all, is Medicare socialist? Don’t tell anyone, but the way Medicare operates — it covers every senior’s medical expenses, whatever they turn out to be, while being funded by taxes that depend on one’s income — could be summarized by the old Marxist slogan “From each according to his ability, to each according to his need.” And back in 1961, when Ronald Reagan was the face of a last-ditch effort by the American Medical Association to block the creation of Medicare, he denounced Medicare as “socialized medicine” and warned that it would destroy our freedom. In reality, American freedom survived until Jan. 20, 2025, while Medicare is immensely popular, with an 82 percent favorable rating in the most recent KFF survey. Medicaid, government health insurance for lower-income Americans, comes in at 73 percent. This is in sharp contrast to public views about private insurers, who are widely disliked if not hated and accused of denying essential care. Furthermore, if Medicare is socialism, then the whole U.S. health insurance system, with the government paying most of the bills and placing conditions on private insurers, is almost equally socialist. If you insist on calling any program the government pays for and regulates socialist, then U.S. healthcare would best be described as a partially privatized form of socialism. And one must ask, what is the point of the part that is privatized? Do private insurers add anything positive? Or are they simply parasites, skimming off money that could have been paying for care? The case for viewing insurers as parasites is strong. Many Medicare benefits are now delivered via Medicare Advantage, that is, plans paid for by the government but run through insurance companies. MedPAC, an independent advisory commission, estimates that last year Medicare Advantage plans were overpaid by $84 billion, thanks to practices such as “upcoding,” in which patients’ health problems are overstated to get larger sums from Medicare. Assessing the waste from employer-based insurance is harder, but most evidence suggests that private insurers have substantially higher administrative costs than Medicare does. Furthermore, the complexity of private insurance, with multiple payers all trying to deny care when they can, is a huge burden both on providers — doctors, nurses, and hospitals — and on patients. What do private insurers offer to compensate for these costs? One must go through intellectual contortions to avoid the conclusion that they are, in fact, parasites. Which brings me back to El-Sayed. In supporting Medicare for All, he’s basically calling for an end to the partial, parasitic privatization of a healthcare system that is already hugely dependent on public funding. When one looks at it that way, it’s not at all a radical proposal. Admittedly, the political lift requires overcoming the opposition to higher taxes to pay for Medicare for All. Political realism rather than economics was the reason I and many other progressives supported Obamacare, with all its complexities, rather than demanding an immediate move to Medicare for All. But the political calculus may very well have shifted since the 2000s, as Americans are fed up with a system of unaffordable premiums, rampant claim denials, and byzantine claim administration. Moreover, funding healthcare insurance through taxation would allow for a much more progressive distribution of the cost. That is, compared to the present system, middle-income households would pay less as high-income households would pay more. And the U.S. would stop wasting large sums on pointless administrative costs. So let’s be clear: El-Sayed’s healthcare platform is perfectly reasonable on the merits of cost, fairness and health efficacy. And with private insurers never more hated, while millions of Americans are losing their health insurance, 2026 may be its time. MUSICAL CODA
450,000 NYers just lost their health insurance: How one Syracuse caregiver is coping
Tyler Lyons' no-cost health insurance was a casualty of cuts to the Affordable Care Act.
These Arizona health insurance companies are seeking rate increases of more than 25%
Health insurance companies in the Affordable Care Act marketplace are seeking an average premium increase of 25% in Arizona for 2027.
Commentary: AI Could Help to Implement Health Policy
Artificial intelligence may enhance implementation of a new federal rule requiring aduts enrolled under the Affordable Care Act expansion of Medicaid eligibility to complete qualifying work hours or community engagement activities or meet exemption criteria to maintain coverage, according to a new commentary.
Costa Welcomes House Democratic Caucus Chair Pete Aguilar to Central Valley Health Care Roundtable
FRESNO, Calif. - This week, during Affordable Healthcare for Every American Week of Action, Congressman Jim Costa (CA-21) welcomed Congressman Pete Aguilar (CA-33), Chair of the House Democratic Caucus, to the Central Valley for a roundtable hosted by Community Health System to hear directly from local hospitals and health care leaders focused on the federal funding reductions under H.R.1, including changes to Medicaid and the Affordable Care Act, as well as the Administration's decision to withhold approximately $867.5 million in federal Medicaid funding from Califor
How much and why premiums are going up for small businesses in 2027 - Peterson-KFF Health System Tracker
Each year, health insurers submit rate filings to state regulators outlining their expectations for the coming year and proposing premium changes for Affordable Care Act (ACA)-compliant plans. This analysis examines filings in the small group market, which covers plans offered to small businesses (generally with 50 or fewer full-time equivalent employees). Some of this coverage is […]
Oscar Health Stock Has Doubled This Year. The ACA Insurer Reports Thursday.
Oscar Health reports second-quarter earnings Thursday morning. The results should show trends in its Affordable Care Act membership.
http://democrats-energycommerce.house.gov/media/press-releases/republican-health-care-cuts-continue-devastate-american-families
Senate Finance Committee Ranking Member Ron Wyden, D-Ore., and House Energy and Commerce Committee Ranking Member Frank Pallone Jr., D-N.J., today released their latest report spotlighting the consequences of the Republican Big Ugly Betrayal, which slashed over $1 trillion from Medicaid and the Affordable Care Act in July 2025.
Kennedy, Oz Contend Fraud Crackdown, Not Skyrocketing Prices, Led Millions To Leave Obamacare
Rising premiums forced many people in Affordable Care Act plans to give up their coverage. But the Trump administration claims a huge drop in enrollment is almost entirely due to its fraud crackdown.
Healthcare costs have more than doubled for many farmers this year, on top of soaring expenses
When Congress allowed Affordable Care Act tax credits to lapse, healthcare premiums spiked for millions of Americans — especially self-employed farmers and ranchers. That added cost is multiplying the stress on their already stretched balance sheets.
They Worked To Protect Public Health. Now They Want the Public’s Votes.
They’re known for touting pandemic precautions, Affordable Care Act plans, and testing for lead in schools. This year, some former public health officials are touting themselves — for governor or senator.
Healthcare costs have more than doubled for many farmers this year, on top of soaring expenses
When Congress allowed Affordable Care Act tax credits to lapse, healthcare premiums spiked for millions of Americans — especially self-employed farmers and ranchers. That added cost is multiplying the stress on their already stretched balance sheets.
Pennsylvania ACA health insurers propose double-digit premium increases for 2027
Nearly all health insurance companies that sell individual plans on Pennsylvania’s Affordable Care Act marketplace are asking for average premium increases ranging from 10.5% to as high as 41%
Affordable Care Act rates could increase again in Pennsylvania
People who buy their healthcare coverage in Pennsylvania through the Affordable Care Act are expected to see their premiums skyrocket.
Requested 2027 Affordable Care Act rate increases average 17.1% in Pennsylvania
Health insurers serving Pennsylvanians with coverage under the Affordable Care Act are proposing to increase premiums by an average of 17.1% for individuals...
Health insurance costs leave older Mississippians without care
Because insurers can charge people in their 60s premiums three times higher than those in their 20s, many older adults enrolled under the Affordable Care Act saw some of the steepest price increases this year without the income-based subsidies.
Iowa health insurers propose premium increases for ACA customers
Iowa health insurance companies are proposing another round of premium increases for Affordable Care Act customers in 2027.
AHA responds to CMS on potential modifications to ACA’s Essential Health Benefits
The AHA July 15 responded to a request for information from the Centers for Medicare & Medicaid Services on the Affordable Care Act’s Essential Health Benefits framework, which creates the guardrails for defining comprehensive insurance coverage.
Soaring costs and end of tax credit leads 17,000 Minnesotans to drop MNSure health coverage
This year, 17,000 Minnesotans have dropped the health insurance they had purchased in the Affordable Care Act marketplace known as MNSure, as insurance premiums soar and a tax credit that many people use to help defray the cost of ACA insurance expired.
Nevada sees drop in health insurance marketplace enrollment as subsidies lapse
Higher premiums are causing thousands of Nevadans to drop their Affordable Care Act coverage, raising concerns about healthcare affordability.
Pelosi, Rowe-Finkbeiner: We can fix health care, but Trump chooses Iran
Republicans triggered this health care crisis by slashing $1 trillion from Medicaid and failing to extend the Affordable Care Act premium tax credits.
Obamacare premiums surged this year. A new analysis shows it's likely to happen again in 2027
Middle-income Americans straining to pay for Affordable Care Act health insurance are unlikely to get relief next year, according to a new analysis.
Phil Scott issues executive order that would allow age-based health insurance premiums
The order directs the Department of Financial Regulation to explore alternative insurance options for small businesses, beyond the Affordable Care Act.
Storm warning for ACA shoppers: Double-digit premium hikes are coming
The 2027 outlook for the Affordable Care Act is severe.
Obamacare insurance costs set to increase again in 2027
Health insurance companies want a median rate hike of 14% for 2027 Affordable Care Act plans, according to KFF, a health policy nonprofit.
Obamacare rolls sharply declined in many states over past year, data shows
New federal data reveals the first 50-state look at a steep drop in Affordable Care Act enrollment after enhanced subsidies expired in January
Affordable Care Act enrollment shrank dramatically in many states over the past year, new federal data shows
Ohio and Oklahoma each lost nearly one-third of enrollees, according to new federal data that provides the first complete 50-state breakdown of sharp enrollment declines following the expiration of enhanced subsidies.
Obamacare rolls shrank dramatically in many states over the past year, new federal data shows
New federal data reveals the first 50-state look at a steep drop in Affordable Care Act enrollment after enhanced subsidies expired in January.
As ACA enrollment falls by millions, Trump administration and policy gurus disagree on why
Affordable Care Act marketplace enrollment has declined by 3 million people. The Trump administration points to fraud controls. Policy experts point to cost.
Enrollment in Affordable Care Act health plans drops by 3M, HHS data reveals
The Trump administration said the reduction can be attributed to a cleanup of fraud, waste and abuse, but the real reason extends back to enhanced subsidies put in place during the COVID-19 pandemic.
Millions drop Obamacare health coverage after subsidies expire and costs rise
Experts share why millions of people lost their Affordable Care Act health insurance plans this year after federal subsidies expired.
Millions drop Obamacare health coverage after subsidies expire and costs rise
Experts share why millions of people lost their Affordable Care Act health insurance plans this year after federal subsidies expired.
Video Millions lose health insurance
Millions of Americans have lost Affordable Care Act health insurance this year as many faced double- or triple-digit increases in their premium payments.
Maryland health insurance rates could rise 13.7% in 2027 under proposal
BALTIMORE — Maryland residents who buy health insurance through the Affordable Care Act marketplace could see higher premiums next year, with insurers requesting an average rate increase of 13.7% for
Millions drop Affordable Care Act coverage after subsidies expired
New federal figures show that about 3 million fewer people had Affordable Care Act health insurance plans in February compared with the same time last year.
Millions drop Obamacare health coverage after subsidies expire and costs rise
NEW YORK — About 3 million fewer people in the United States had Affordable Care Act health insurance plans in February compared with the same time...
Millions drop Obamacare health coverage after subsidies expire and costs rise
About 3 million fewer people in the United States had Affordable Care Act health insurance plans in February compared with the same time last year, according to new federal data. In the report releas...
Millions drop Obamacare health plans after subsidies expire and costs rise
New federal figures show that about 3 million fewer people had Affordable Care Act health insurance plans in February compared with the same time last year.
Millions drop Obamacare health coverage after subsidies expire and costs rise
New federal figures show that about 3 million fewer people had Affordable Care Act health insurance plans in February compared with the same time last year. The Department of Health and Human Services...
Millions drop Obamacare coverage after subsidies expire, costs rise
New federal figures show that about 3 million fewer people had Affordable Care Act health insurance plans in February compared with the same time last year
Medicaid and ACA enrollment falls by more than 5 million, new report finds
The decline over the last 12 months stems in part from President Donald Trump’s Medicaid cuts and the expired enhanced Affordable Care Act subsidies.
Vermont’s Governor Scott vetoes Legislature’s attempt at healthcare reform
The bill was designed to fast-track premium savings for public school employees and people buying plans on Vermont’s Affordable Care Act marketplace.
Colom prioritizing lower costs, good jobs, affordable health care in state
In 2025, about 27 million people in the United States were medically uninsured, a number that is expected to increase by 10 million in the next decade due to tightened Medicaid eligibility, changes to enrollment processes and a loss of enhanced Affordable Care Act plan subsidies.
Trump Policies Could Strip Health Coverage From 3 Million Age 50-64
Trump’s biggest health care initiatives, rolling back the 2010 Affordable Care Act and cutting Medicaid, could strip insurance from up to 3 million people aged 50-64.
Long-Awaited Rule Aims To Boost ACA Choices While Embracing Higher Deductibles
By Julie Appleby and KFF Health News HealthDay ReportersTUESDAY, June 16, 2026 (HealthDay News) — The Affordable Care Act (ACA) seems to always be in a policy tug-of-war as its backers and critics spar over how it should work and who can qualify for coverage. This year is no different, with the ...
CMS, HHS request information for potential modifications to ACA Essential Health Benefits
The Centers for Medicare & Medicaid Services and the Department of Health and Human Services issued a request for information (https://www.federalregister.gov/documents/2026/06/15/2026-11994/request-for-information-comprehensive-review-of-the-essential-health-benefits-framework-and-typical) June 12 seeking input on CMS’ review of the Affordable Care Act’s Essential Health Benefits framework and the requirement that the scope of EHBs is equal to the scope of benefits provided under a standard employer plan.
They’re Uninsured After Obamacare Became Too Costly. And They’re Far From Alone.
After congressional Republicans let expanded subsidies for Affordable Care Act plans expire at the end of last year, some families have decided the price is too great of a financial burden and canceled their coverage.
As Affordable Care Act premiums skyrocket, catastrophic coverage is having a moment
Jason Miller watched his monthly health insurance premiums quadruple to $374 from $80 for a silver-level plan when the Affordable Care Act’s enhanced...
Mental health must be part of cancer care
Mental health parity laws have been passed to ensure equal coverage of mental and physical health conditions, but access to quality, affordable care remains a challenge for millions of Americans.
New Federal Rule Makes Sweeping Changes to Health Insurance Marketplace Regulations
A new rule issued by the Centers for Medicare and Medicaid Services makes a long list of changes to the Affordable Care Act marketplaces that the agency says will lead to more plan choices and lower premiums for consumers.
Millions of Americans are losing their health insurance
The GOP’s Big, Beautiful Bill sought to roll back the Affordable Care Act. Now, the human costs are becoming clear.
Cheaper, Alternative Health Plans Are Having A Moment, But Critics Urge Caution
By Sarah Kwon and KFF Health News HealthDay ReportersWEDNESDAY, May 27, 2026 (HealthDay News) — When Melanie Miller saw that her health insurance premium payment was set to nearly triple to $914 a month this year, she stopped shopping on the Affordable Care Act (ACA) marketplace. The 59-year-old ...
Affordable Care Act enrollment projected to plunge by 5 million as costs spike, analysis shows
ACA enrollment could fall from 22.3 million Americans in 2025 to around 17.5 million this year.
Bonus 228: The $1.776B Political Question
Every so often a story comes along that is so brazen, so cleanly emblematic of the moment we are living through, that staying quiet about it feels like a kind of complicity unto itself. Monday’s announcement by the Department of Justice that the Acting Attorney General has unilaterally created a $1.776 billion “Anti-Weaponization Fund” to compensate so-called “victims of lawfare” is one of those stories. And the reason I want to write about it here, in a newsletter ostensibly devoted to the Supreme Court and the law and politics surrounding it, is that I’m increasingly worried that we’re asking the wrong institution to save us from one of the most offensive, alarming, and anti-constitutional things we’ve seen from any president in American history. As I explain below the fold, the Anti-Weaponization Fund is not principally a legal problem awaiting a judicial fix. It is a shockingly egregious political abuse—the President suing his own government, purporting to settle with himself, and routing nearly $2 billion from the Treasury to his own supporters as a not-so-subtle (and not-so-formal) reward, if not an incentive, for political violence. And the Constitution’s answer to political abuses of this kind and magnitude is a political remedy, not a legal one. In his majority opinion in NFIB v. Sebelius (the Affordable Care Act case from 2012), Chief Justice Roberts defended the Court’s endorsement of Congress’s power to adopt the individual mandate by noting that it is “not our job to protect the people from the consequences of their political choices.” As much of a judicial supremacist as I am, that sentiment is, for better or worse, an entirely correct (and, in the long term, normatively desirable) institutional assessment. One can believe in substantial judicial power without believing that literally every political dispute in our country can and should be resolved by unelected judges. The real upshot of this latest headline (among so, so many other similar headlines) is that it is past time to reinvigorate impeachment—not because conviction is realistic in this Senate, or even because impeachment itself is feasible in this House, but because forcing every member of Congress to vote on the record whether this brazen, corrosive, and affirmatively dangerous corruption is impeachable is itself a point worth fighting for (and fighting with our friends over). Assuming the courts will save us absolves our political leaders of both responsibility and accountability for allowing this kind of mischief to continue, and it absolves all of us of our responsibility to refuse to tolerate those who would just as quickly shrug their shoulders and move on. For those who aren’t paid subscribers, we’ll be back (no later than) Monday with our continuing coverage of the Supreme Court. For those who are, please read on.
Affordable Care Act enrollment projected to plunge by 5 million as costs spike, analysis shows
The report found that ACA program enrollment could shrink by more than 20% and that those who remain covered are paying more, with average deductibles growing by over $1,000.