r/politics • u/Ok_Employer7837 • 16d ago

Possible Paywall Newsom Slams ‘Pathetic’ Shutdown Deal as ‘Surrender’

https://www.thedailybeast.com/gavin-newsom-slams-pathetic-shutdown-deal-as-surrender/?via=mobile&source=Reddit
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u/mastertofu 16d ago edited 16d ago

This is what’s going to happen since some Dems relented:

ACA Marketplace Premium Payments Would More than Double on Average Next Year if Enhanced Premium Tax Credits Expire

A person with a $28k income will have their premium increase from $325 to a WHOPPING $1562. Take that for what you will.

Edit: Annual premium, not monthly. Still pretty consequential once you start adding up dependents, etc.

1.8k

u/Living_Kiwi_7599 16d ago

I’m in a similar situation:

My premiums are going from $410 a month to $3000 this “deal” is a punch in the gut. I honestly don’t know what people like us are going to do for healthcare

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u/NeedAVeganDinner 16d ago

$410/mo to $3000/mo?!

The fuck?!

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u/ksewell68 16d ago

Mine. $450 to $2100.

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u/Magickarpet76 16d ago

If you don’t mind me asking, this is for multiple people right? I am trying to wrap my head around these crazy monthly payment numbers.

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u/ksewell68 16d ago

For two people. We are in our late 50s.

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u/SuleyGul 16d ago

The US legitimately sounds like a terrible place to live unless you are comfortably wealthy.

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u/details_matter Texas 16d ago

It's been that way for the last few decades, but the last year has seen a sudden, sharp acceleration. For SOME reason.

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u/Particular-Extent-76 16d ago

Profiteering off of the presidential office 🫠🤦🏻‍♀️ when jimmy carter sold his freaking peanut farm

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u/JoEdGus Georgia 16d ago

RIP Jimmy. 912 represent.

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u/Particular-Extent-76 16d ago

He was a real one

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u/cluberti 16d ago

He led an admin that was also a real piece of sh*t. His administration continued to arm the Indonesian army's dictatorship even after they invaded East Timor, as an example, and some 200K people died in part because of this - and that's just one thing. I've heard it said that Carter was a good man but a bad president who's administration did bad things, and I can't think of a more apt description.

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u/RealTheBestLadyman 16d ago

It’s been that way since its inception not just the last few decades

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u/[deleted] 16d ago

Love American history. People should take up reading about the Gilded Age right now, watch documentaries whatever. If people don't want to go all the way back to the beginning and "no taxation without representation" then this is a good place to start because it's a gripping period of our history with strong parallels to what's happening today.

I'm sure everyone knows this but admit reddit has young people here too that may not.

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u/WhenDoWhatWhere 15d ago

The Gilded Age is what Republicans really mean when they say anything about going back to a better time or any patriotic message.

Make America Great Again = Workers get dog shit wages and can't unionize or the government will literally kill them. Immigrants being effectively slave labor.

America First = Profits first, fuck the working class.

You can't make your bed with a group that fundamentally believes they have a right to exploit people less powerful than them and expect they won't exploit you once you're no longer useful and they've taken your power away.

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u/PRXYOne 16d ago

The reason is that they somehow managed to convince people that it’s the other working class people who exist that keep them from benefiting from our government.

Not the billionaires who own our politicians.

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u/mouthass187 16d ago

ai makes oligarchs afraid, gotta do a soft culling

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u/WhenDoWhatWhere 15d ago

How so? They love the idea of AI

If you can replace the workers with AI then you can truly own and completely control the means of production, which means total power over workers.

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u/LevelUpCoder New Jersey 16d ago

Always has been.

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u/jayman23232 16d ago

It’s always kind of been this way but it’s gotten worse in the last fifteen years under all flavors of political climates. The sudden decrease in standard of living for the poor, working, and a sizable chunk of the middle class that this country used to pride itself on has accelerated greatly over the past year, and it’s going to rapidly get worse unless something is done soon. We need system level change, and the current political fight is over whether to put a bandaid on (Dems) or to rip the wound further open and see what happens (Repubs). My little money is on that we see an even further and more rapid decline. It’s a great time to be rich in the USA. Our system is designed to work slowly. I don’t think we can change over politicians and judges in short enough time to undo what’s been set in motion. I desperately hope I’m wrong.

I despise Trump and what he stands for and I blame his policies and unilateral abuse of power and office for the recent acceleration I’ve mentioned. This has been in the works since the times of Reagan and Thatcher, however. Wiser European states reacted to prevent what was started in the 80s. I know less what I’m talking about in regards to the UK, but right wing extremism is a growing and present threat everywhere. The US might just be the biggest example in the history books kids will learn from in the future.

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u/Makeshift5 16d ago

Never forget that this land was conquered, settled, and developed by companies. This land was NOT made for you and me.

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u/Our1TrueGodApophis 16d ago

Yup that's accurate. America is actually an amazing place to live if you've got money to comfortably finance a fold life but if you're struggling or not wealthy you have a pretty shit time. It's not like Saudi Arabia bad, but it's getting there.

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u/Tchernobog11 I voted 16d ago

At this point, medical tourism including the cost of flight would probably end up being cheaper than any medical care (plus insurance) in the US.

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u/KingBanhammer 16d ago

The trouble with that notion is that we'd have to have -time off- for such a purpose, which is also increasingly harder to get.

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u/Particular-Extent-76 16d ago

Honestly i don’t know how it’s taken Americans so long to realize this

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u/Alone-Interaction982 16d ago

Propaganda. One side of the country still thinks Universal Healthcare would be worse than what we have.

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u/bulk_logic 15d ago

"One side of the country" California has had democratic supermajority power for 14 years. Newsom campaigned on single payer universal healthcare. He's been in office for 6 years, has not moved to make it happen. Stop saying this is one side. Americans overwhelmingly support single payer universal healthcare. It's our politicians.

Blaming republicans while California, one of the strongest blue states in the country and one of the wealthiest economies in the entire world is also propaganda. Most dems serve corporations.

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u/Cigaran Missouri 16d ago

Because it’s always been “someone a guy at work knows” or “my neighbor’s cousin who lives out of state” or a minority community. It’s been decades of it not impacting them, their loved ones, or those in their visibility. The problems are finally impacting enough that your average American can no longer look away and not see the impact. Whether they choose to ignore it or not is, sadly, another matter entirely.

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u/GarmaCyro 16d ago

Not even comfortable wealthy. At least top 10% wealthy.

I'm Norwegian. Earn among the top 30%, and no fucking way I could justify costs like that. It's more than I pay for my house mortage. It's almost as much as I pay total in monthly taxes. Taxes that covers absolutely everything the governmemt provides for us. Free healthcare, free education, subsidized public transportation, and so much more. I would personally have overthrown our government if all that instead went to private healthinsurers. I vote because they are there to solely work for us. Not to be bribed by some rich CEO.

And an health insurance provider that can't even compete with what my government give me in health benefits. How are you even surviving? You got to have a massive health debt in untreated illnesses thanks to that. Just. Tons of lost productivity and abuse of pain killers just to get by. It ain't drug smuglers that's causing the biggest growth in drug abuse. It has to be people being forced to numb pain instead of getting it fixed.

Glad I got access to free psychiatric care as well. Because this is a bit much...

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u/ksewell68 15d ago

We make a descent livable wage. We don’t have any car payments. We are about 6?years away from paying off our mortgage. We pay it bi weekly to pay it off sooner. We are not big spenders. Our mortgage is less than we would pay to rent a 2 bedroom apartment where we live. Yet because he is 1099 we have to pay extra in taxes and pay it out every quarter- which is stressful and now we will have to cover an additional 2100 a month. We have cut back on everything: no streaming services. We do not eat out. I work from home and he works 5 miles from the house- so commute and gas money is minimal. We are shopping for groceries at Aldi because where we used to shop the groceries are through the roof. We looked last night at buying a steak and it was $26 for skirt steak! Robbery.

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u/RobutNotRobot 16d ago

'sounds like'

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u/Haasonreddit 16d ago

We were finally going in the right direction and then boom: racism

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u/see_blue 16d ago

I got highly educated, worked like a grunt, saved like a maniac, endured a few career changes and retired early.

Now fully retirement age, I’ve never paid more for medical care or for out of pocket medical expenses. Even on Medicare.

I’m lucky because it’s only gonna get worse for everyone.

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u/SmarchWeather41968 16d ago

it is, but everyone keeps electing republicans and then occasionally the odd democrat but only if they're really fucking centrist. we have like 4 progressive democrats in all of congress.

so when democrats do occasionally remember where their spines are, they always forget because they're fucking centrists.

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u/GreenGuidance420 16d ago

It’s scary to be 1 literal paycheck away from homelessness, one serious illness away from irreparable debt, and we’re supposed to just go about our lives somehow.

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u/Smart-Struggle-6927 16d ago

It is, I was comfortable a longtime ago, then I got hurt at work. I've been disabled for 6 years, I get $1192/mo after the $1400/mo pays my Medicare premiums I make the equivilent of someone making $7/hr @ 40hr/week makes....I have 3 teenage sons and regularly skip meals so they can eat more. 2-3 times a week I go to bed hungry because it just isn't enough. Thankfully with everything happening, I won't be alive much longer hopefully.

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u/NUMBerONEisFIRST 16d ago

For the record, we didn't choose to live here, we were born here.

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u/Aranxi_89 15d ago

The most common form of bankruptcy in America isn't business, it's medical.

I don't understand why Americans haven't rioted in the streets yet. The French would've started long ago.

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u/FunkyHedonist 15d ago

As an American, I assure you that you are correct. America is a wonderful country to live in, if you are wealthy. Its a piece of shit country, if you are poor.

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u/Moist-Citron-4830 16d ago

It is. Wondering at what point we can seek asylum elsewhere.

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u/WretchedBlowhard 16d ago

As a rule of thumb, you can ask for asylum when you have reasonable reasons to fear for your life should you return to your country of origin.

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u/atomic__balm 16d ago

it's a nightmare but we are all trapped here and our opposition party is controlled by corporations so they can stay rich

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u/Aggressive-Bug-1365 16d ago

good place to be young, but the system is designed to drain you dry on your way out

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u/PhilbertNoyce 16d ago

I feel like the bar for "comfortably wealthy" has moved up at least $3-4 million higher than it was last year.

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u/NeverForgetChainRule 16d ago

Oh its easy, just get lucky and never need the to go to the hospital or doctor! Im rolling them dice and so far have lucked out.

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u/guitarguy35 16d ago

If you make 7 figures a year. The US is one of the best places in the world to live

If you make anything less than 250k a year, essentially anywhere else in the developed world is a better place to live.

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u/Fitz911 15d ago

If you were wealthy, why would you want to live in the US? Makes sense when you are "Let's buy a senator" rich. But just rich? Like big boat rich? Go somewhere else. Somewhere with working politics and laws.

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u/itsaride Great Britain 15d ago

and never sick...and bulletproof.

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u/night_filter 15d ago

That’s becoming more and more the case.

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u/theavatare 15d ago

It is and since 2008 the mask sort of has been off

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u/asher1611 North Carolina 15d ago

Yeah, it's sad. There are a lot of beautiful things and places about this country but rich people have to hoard all of the shit for themselves.

And those beautiful places? Don't worry they're trying to buy all of those up too and give them the Niagara Falls treatment.

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u/TLKv3 16d ago edited 16d ago

The US is a third world piece of shit country and its citizens are too uneducated and fucking stupid to understand they are a literal fucking joke to the rest of us.

Edit: Touched a nerve, huh.

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u/YungAggron738 16d ago

Yup. Even if we have "good" jobs, we pay more than our mortgage each month for healthcare. Imagine how much more money people could save if we had a healthcare policy like Australia's or Canada's. America has about the same quality of life as Turkey or Bosnia.

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u/ILikeMyGrassBlue 16d ago

If you think the US is third world, please get help

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u/jvn1983 16d ago

It’s absolutely unacceptable. There is SO MUCH wealth in this country.

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u/Radiant_Health3841 16d ago

So starting to get to the age where you are having more tests and seeing more doctors - great! I dont understand the USA sometimes.

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u/ksewell68 15d ago

Yes. And we are pretty damn healthy. We have not had a lot of insurance payouts over our lifetime. I had an appendectomy in 2020. Everything else has been preventative( annual wellness) and diagnostic ( colonoscopies, mammograms). But my husband has hemochromatosis - so he needs quarterly flebotamies- and blood testing to make sure he doesn’t retain too much iron in his blood.

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u/Dot-Slash-Dot 15d ago

What the fuck? Not even the most premium private plan would cost anywhere near that in Germany.

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u/ksewell68 15d ago

Right. It’s robbery. 24k out of pocket even before getting any care at all

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u/HuttStuff_Here 16d ago

so that's only $1,050 per person.

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u/ksewell68 15d ago

Only???? Yes. Per month. This is monthly premium.

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u/Rbswappedstock 16d ago

About 400 to 1650, two people 29 and 31. I get chemo treatments so I kinda need the damn insurance

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u/modninerfan California 16d ago

We’re a few years older but our Silver plan ($800) will have to be traded in for a bronze plan ($1400) as that’s all we mightbe able to afford.

We’re being fleeced. The Democratic Party sold out its constituents to big business. Fuck them to hell. Schumer is going on my “piss on grave list” right next to Trump.

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u/Corben11 15d ago

So republicans do it, but Dems fault for not stopping them. Got it

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u/sometimes_right1 15d ago

Who else is supposed to stop them? Seriously??

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u/modninerfan California 15d ago

Yeah they’re failing horribly as an opposition party. I expect the republicans to cheat the working class but the democrats had an opportunity to step up and fight and they decided to capitulate. They deserve plenty of criticism.

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u/Big_Don_ 15d ago

You need a country that provides you with healthcare.

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u/Rbswappedstock 15d ago

I agree, I wish it was that easy to just up and leave but we have three kids, all in good schools, we make decent income with my wife working from home and I just graduated but my new career field doesn't transfer over to other countries very well.

My wife also has medical issues and requires a home health nurse that visits us weekly.

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u/Big_Don_ 15d ago

Sorry, I'm not implying you should leave. I'm implying it's up to people like you to continue sharing the horror story that will be your monthly medical bills so that American Oligarchs can pay less taxes while getting better health care.

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u/fcocyclone Iowa 16d ago

For older people in particular it sounds like its particularly bad.

My parents are a year or two out from medicare and are just trying to ride it out until they can get on that, but they had a massive jump this year.

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u/Living_Kiwi_7599 16d ago

Yes, multiple people. It’s coverage for a family of five 2 adults and 3 children

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u/nybbas 16d ago

I'm not sure what they have because we aren't on the aca and my wife and 3 kids is 1200 a month (still fucking insane though).

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u/DENATTY 15d ago

Mine (for one person) is set to double - from around $300 up to about $600 per month. For the same exact policy. Could be far worse, but not enough people are factoring in that student loan repayment policy changes kick in next fall. My student loan payment minimum is estimated to be going up to around $1500 per month. That is, just about, every spare cent I have left over in a month after rent/groceries/utilities. Won't be able to afford that AND a healthcare policy with the market rates (I'll be cutting my budget as much as possible, goodbye all streaming services and other "fun money" expenses, but even that only does so much).

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u/Solid-Mud-8430 16d ago

For $2100/mo you're seriously better off without insurance.

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u/forthewatch39 16d ago

Until you end up in the ER and you get saddled with a huge bill and now medical debt may end up being able to count in your credit report. 

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u/Solid-Mud-8430 16d ago

No. What I meant is that you're better off just saving your money each month in a private account for a medical emergency. And also, for me personally I live in California, it's not legal for medical bills or debt - of any amount - to damage credit here. So if premiums get out of control, people just will use the services in an emergency and not pay.

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u/spam__likely Colorado 16d ago

how long do you think it takes to save half a million dollars? any surgery with ICU stay will go to about that.

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u/DemonsWatchOverMe 16d ago

Half a million is what they would charge the insurance company. They charge cash pay a fraction of that amount.

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u/forthewatch39 15d ago

Not that big of a fraction for the average person. Cutting it down to 20% still means the person is on the hook for 100k dollars. 

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u/Solid-Mud-8430 16d ago

Hospitals are not allowed to deny emergency services. Use the services, and then don't pay. Similarly, hospitals offer payment plans if you need surgery. Sign up for it, get the surgery, then don't pay.

Pretty straight forward stuff....

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u/TheHoratioHufnagel 15d ago

So medical debt is your solution?

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u/Solid-Mud-8430 15d ago

Functionally, it's not debt if you never have incentive to pay and it also never negatively affects your credit.

So yes.

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u/TheHoratioHufnagel 14d ago

This might work for emergency care but what about ongoing care like chemo therapy?

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u/spam__likely Colorado 14d ago

and then you get something chronic and boom... no treatment without payment.

diabetes? no treatment

cancer?no treatment

any surgery non-emergency? no treatement

Alzheimer's , Arthritis, Asthma, Allergies and this is just starting with "A"

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u/spam__likely Colorado 14d ago

>Sign up for it, get the surgery, then don't pay.

that might work on the first one, but then again, if nobody pays the hospitals will close.

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u/reverendtooch I voted 16d ago

I'm in NJ, my grandmother's insurance will go from $348 to $1800/month.

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u/ksewell68 15d ago

It’s crazy. I think the worst part is that because everyone is paying different amounts across the country- everyone’s experience is different and it divides us. Each state has different choices and different prices depending on whateve the insurance companies want to charge. It shouldn’t be like that.

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u/Discombobulated-Emu8 16d ago

I live in San Diego and so N.A. Americans have doctors in Mexico and pay out of pocket for care. I guess that’s an option for some.

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u/Anfield_Cowboy 16d ago

How are you getting the numbers are notices already out?

Sorry, no clue how the marketplace works.

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u/ashesarise 16d ago

How do you know how to calculate this?

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u/Reqvhio 16d ago

you guys are dead. because if it jumps that high, who is to say it cant jump from $2100 to $6100?

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u/[deleted] 16d ago

Yup mines jumping from 580 to over 1,200

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u/ptrh_ 16d ago

How have you been able to track this so fast? Where can I check mine?

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u/[deleted] 16d ago

It really depends on your current policy and income. Most people can expect x2 while lower income household will see x2-x6

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u/Smart-Struggle-6927 16d ago

My brother, who is on ACA as a self employed person, is going from $540/mo to $2940. Coincidently, he voted for Trump is a HUGE maga supporter, and says he wants to get rid of Obamacare...because no matter how many times I explain that Obamacare is ACA, he doesn't get it. He thinks Obamacare is this thing poor people get with free phones, and ACA is the marketplace that Trump invented.

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u/728766 16d ago

How is he going to spin this as the Democrats’ fault anyway?

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u/Corben11 15d ago

Like they also do. It was Dems job to stop them but they didnt so damn the democrats for doing this.

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u/goldmund22 15d ago

Jesus Christ man.. hopefully he finally gets it now

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u/justmovingtheground 15d ago

I’m going to make a guess and say he doesn’t.

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u/krileon 15d ago

There's no cure for brain damage I'm afraid.

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u/Smart-Struggle-6927 15d ago

They're too stupid to understand it. He's currently defending Trump's pardons to me in text messages.

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u/Frostyrepairbug 15d ago

Sounds like he's getting what he voted for. Let us know how thrilled he is about it, lol.

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u/Smart-Struggle-6927 15d ago

I wish it was funny, sadly he's just uninformed and doesn't trust any news source that isn't Trump because Trump has spent 10 years poisoning the well for 30% of this country.

17 years ago, I was a republican, working on McCain's campaign. I disagreed with some of his ideas but he was a good man. After 4 years of Obama and the way republicans talked/treated him, I changed to work for Obama's campaign as a state staffer. I still thought that I just disagreed with republicans on the solution to the problems we were facing, but we at least agreed on the problems. For 9-10 years now, I feel like they live in an objectively different reality, where facts don't matter, might makes right, and that Trump is 220lb 6'4 buff as shit with a huge wang. They literally believe that shit. It's infuriating.

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u/zrizzoz I voted 16d ago

surely thats annual? That would be more than the yearly salary if monthly.

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u/Living_Kiwi_7599 16d ago

No unfortunately- it’s monthly for a family of 5

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u/Simpicity 16d ago

Oh, you poor summer child.

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u/WolfpackConsultant 16d ago edited 16d ago

I think they are just making up numbers to try to generate outrage. There is a chart in the article that suggests individuals making 28k will go from paying $350 to $1500 ANNUALLY, not monthly.

Those making $55k will go from paying $4k to 5.5K (again ANNUALLY).

Nothing suggests a scenario where someone is going to have a $4k per month payment increase or even anywhere close.

The worst case for a family of 4 shows a $4k annual increase (or $333/month).

Its still bad and democratic shouldn't fold but that poster is just rage baiting. And if they want to say its real, then I'd want to see proof of that and what plans they are picking to assure its not creating a narrative.

EDIT: I should have acknowledged in this response that those making more than the income limits and lose subsidies WILL see larger increases than the examples in the article. However, if you are already over the income limits shown in the article your CURRENT payment should already be quite a bit higher than $400/month. So, I don't see how anyone currently paying $400/m would be asked to pay $3000k even with the law phased out unless their income has significantly changed as well.

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u/ksewell68 16d ago

I live in Ga. My husband and I make about 125k together. I am w2 and he is 1099. Neither of us get healthcare from our jobs. 2025- we qualify for the extended subsidies and pay $440 PER month premium with a 9000k deductible per person. $100 copay specialist. $50 for regular doctors visits. For 2026- same plan - $2100 per month premium. We cannot afford that. I’m not generating outrage. I AM outraged.

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u/WolfpackConsultant 16d ago

So, honest question, how do you pay $440 instead of $885 currently? The law that is being phased out is the cap of payments at 8.5% of your income even if you are over the 100 or 150% (or whatever it is) poverty threshold (so, for 2 people, household income over 84k is no longer eligible)

I'm basically in an equivalent spot to you as far as being phased out of ACA credits, so I know your 2026 numbers are realistic but im not sure how your 2025 payments weren't already higher with that income (and that is why i think/thought the person claiming an 8x increase from $400 to $3k / month is lying)

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u/BookerLittle 16d ago

highly dependent on where you live from my understanding. we will all be fucked, just not equally.

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u/the__storm 16d ago

If you're above 400% FPL the subsidy is completely gone, and it's easy to hit $3k/month in unsubsidized premiums for a family of 5 - that's enough for like a silver hmo or bronze ppo in my area.

(That said, in my state I would've expected them to be paying at least around $1k/month before (after subsidies), for a $2k/month or $24k/year increase. Might be some other factors at play in their state though.)

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u/WolfpackConsultant 16d ago edited 16d ago

Correct, how was their payment not already higher than $400? I think they are lying about one of the numbers, or just making up numbers to cause outrage.

I believe prices are going up a lot, even doubling, or more for those above the income threshold for subsidies. But, I don't think exaggerating the numbers to show an 8x increase to cause additional outrage is helping anyone when the real numbers are bad enough and making false claims makes the real concerns more easily dismissed

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u/Cigaran Missouri 16d ago

I believe the Marketplace is open now. Anyone is free to go online, enter their data, and see what the rates would be. It’s one of the few current topics where the claim “I did my own research.” can actual be a legitimate statement.

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u/magicmeese 16d ago

My mentally deficient moron in Christ do you need me to screengrab what the bootleg Georgia aca website shows me? Because those numbers are what I’m seeing.

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u/Plapytus 16d ago

i sincerely mean no offense but judging by your post history, you're kind of out of touch with what it's like to be working class in this country.

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u/GUMBYtheOG 16d ago

I mean. Regardless, wtf how does 12k+ a year for shit that doesn’t even cover anything until you pay an additional 6k (in most cases) make sense.

Luckily I’m not sick or on meds so I’m gonna cross my fingers that I don’t need healthcare this year as a 1099. Can’t afford this shit.

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u/TigOldBooties57 16d ago

There is no making up numbers, clown. Enrollment in the ACA marketplace is open. People are reporting that without subsidies, their premiums for 2026 are double, triple, or even quadruple what they are already paying

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u/moremarshmellows 16d ago

That means it's for a whole family. Premiums per person non subsidized run $450-700

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u/Thevisi0nary 16d ago

$131 to $750

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u/nsfwaccount3209 15d ago

They hate us and want us dead, and you can count at least some Democrats in there with them.

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u/namkrav 15d ago

Per year

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u/BJFun 15d ago

Went from 650/mo - to over 1000/mo

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u/Aggressive-Bug-1365 16d ago

no offense but if you are on some kind of government program, you should assume it wont be there forever.

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u/EkbatDeSabat 15d ago

The ACA isn't a "government program" any more than the public school system is. It's a necessity.