Insurance Companies Win, Patients Lose: The ACA's Fatal Flaw

Описание: Why are health insurance premiums so high? In this episode of The Overnight Edge, we break down how the Affordable Care Act removed competition, guaranteed insurer profits, and used subsidies that pushed health insurance costs higher for everyone.

In this episode of The Overnight Edge, we explain:

• How the Affordable Care Act removed insurance product competition
• Why insurers are incentivized to allow higher medical costs
• How profit “caps” actually guarantee margins
• Why subsidies almost always increase prices
• Real-world examples using cars and Snickers bars

00:00 Intro
00:33 Background on the ACA
01:32 How did the ACA increase prices?
01:54 1 - Removed Competition
04:09 An Analogy
07:25 2 - ACA Set Insurance Company Profit
10:33 Increasing Profits - An Example
12:15 3 - Government Subsidizes Insurance Premiums
15:21 An Example of how subsidies impact pricing
17:30 Conclusion - Why are Health Insurance Premiums So High

If you’ve ever wondered why your health insurance premiums keep rising — even when coverage doesn’t seem better — this episode connects the dots.

👉 Have questions or your own experience with health insurance costs? Drop a comment below.

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