A majority of voters support permitting the ACA enhanced subsidies to expire after 2025.

"[The] credits, which made many plans fully taxpayer-subsidized, created perverse incentives. Bad actors rushed to maximize commissions by enrolling people regardless of eligibility. That led to fraudulent enrollment, with some unaware they were signed up and others covered.

"The scale of improper and phantom enrollment shows that Mr. Biden’s Covid credits inflated enrollment statistics, drained tens of billions from taxpayers, entrenched a costly regulatory structure and enriched insurers and enrollment middlemen." .@WSJ LTE.

🔥@Paragon_Inst virtual event at 11am EST TODAY. We will explain improper and phantom enrollment in the Affordable Care Act exchanges and take your questions. Information to register below.

This @Paragon_Inst event is open to the general public tomorrow. Curious about the rise of improper and phantom enrollees in the Obamacare exchanges? @Gjkalisz and I will explain. And we will discuss Biden's COVID credits.

Health insurers are lobbying hard for more subsidies—subsidies that flow straight to them. The more dependent they are on government cash, the worse our health system gets. Insurers should offer plans people actually value enough to pay for with some of their own money.

RT @here4liberty: The Vision on Health Care Conservatives Badly Need. Today’s #CRPodcast w/ Daniel Horowitz @RMConservative . Guest: Brian….

@kerpen We have a new policy brief out this morning on the share of the premium paid by taxpayers when the Biden COVID credits end. And make no mistake, they should end. They are costly, produce massive fraud and waste, & reduce employer coverage.

Enrollees pay an even lower share of the premium if they select a bronze plan. The vast majority of enrollees would either have access to a "free" bronze plan or one that costs less than $50 each month.

Biden's COVID credits shifted the cost of Obamacare plans from enrollees to taxpayers. When the COVID credits expire next year, taxpayers will still bear the vast majority of the cost for most enrollees. 75% of enrollees claim income under 250% FPL & they skew older. @kerpen

Easy. The Eagles. 2017 and 2024 were Super Bowl wins and 2022 should have been a Super Bowl win. Cowboys never made an NFC championship games.

RT @Paragon_Inst: 🚨EVENT THIS WEEK🚨.Join Paragon’s Congressional Health Policy Education Program. 📅 Thurs, Aug 28 | ⏰ 11am ET | 💻 Virtual….

RT @DrPhilCez: The National Health Planning and Resources Development Act of 1974 tied federal funding to CON laws. The federal CON laws….

RT @ashishkjha: Brian is right. "Certificate of Need" is usually a bunch of incumbents trying to decide if they should allow competition. I….

There is not a government policy more anti-competitive and crony than CON. The CON board is often controlled by incumbent providers who would be harmed by entrants to the market. CON pushes up prices and reduces health care options and quality of care.

The key question is the magnitude of phantom enrollment. I think it is roughly 3 million people on an annualized basis. That means about one-in-eight ACA enrollees doesn’t just use no medical care, but has no idea they are enrolled or they have other coverage. 12/12.

Another possible explanation—that healthy people flooded the market—doesn’t hold up. In 2021, 34% of enrollees were under 35; by 2024 it was just 37%. That small change can’t explain the explosion in $0-claim enrollees. 11/12.

Paragon estimates that improper exchange enrollment cost taxpayers $20 billion in 2024 & $27 billion in 2025. 10/12

Enrollees had a continuous special enrollment period during the Biden admin. They did not have to enroll during open enrollment but could wait until sick to enroll. They should have a higher rate of claims than other markets, not lower, unless their enrollment is phantom. 9/12.

Could this be explained by people having coverage for only part of the year? It’s possible this explains a portion, but the magnitude of the increase in zero-claims is massive. Plus, there is a high correlation between states with high numbers of improper & phantom enrollees 8/12.

The time trend reinforces the “phantom” hypothesis. In the non-group market, the proportion of enrollees with zero claims increased from 19% in 2021 to 35% in 2024—and the biggest surge was in fully-subsidized plans, where fraud is easiest to commit. 7/12.