The great democrat sponsored millionaire/billionaire insurance giveaway

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Yesterday Sen. Bernie Moreno (R-OH) laid waste to Sen Chuck Schumer (D-NY) and pulled off the deceitful mask democrats are wearing. Moreno asked some pointed questions of Schumer, which Schumer would not address and it was incredibly telling. Moreno called out Schumer about enhanced benefits being granted to millionaires and billionaires and the zero premium scams.

All of which Schumer and democrats want to continue.

Ironically, Schumer claimed that dems “care about average working people” and GOP Senator Moreno “cares about the billionaires.”

It’s the exact opposite of the truth.

“He stormed out of the room.”

Minority Leader Schumer appears to walk away after declaring Democrats “care about average working people” and GOP Senator Moreno “cares about the billionaires.” pic.twitter.com/dJ9Wx38z0Y

— Fox News (@FoxNews) November 8, 2025

Now, a bit of history.

The American Rescue Plan Act of 2021 (ARPA), a $1.9 trillion COVID-19 relief package passed by Democrats using budget reconciliation on March 11, 2021, with no Republican votes. It included temporary expansions to Affordable Care Act (ACA) premium tax credits—known as enhanced premium tax credits (ePTCs)—which increased subsidy amounts and extended eligibility to households above 400% of the federal poverty level (previously capped at 400%). These changes capped out-of-pocket premiums at 8.5% of income and were set to expire after 2022 but were later extended through 2025 by the Inflation Reduction Act of 2022.

The enhanced premium tax credits in the American Rescue Plan Act (2021) were explicitly written to be temporary, covering only tax years 2021 and 2022. Here’s the key language from the law:

Section 9661 of ARPA amended the ACA to expand subsidies for plan years 2021 and 2022 only.
It did not make the changes permanent.
The Congressional Budget Office (CBO) scored it as a two-year provision, costing about $35 billion.

Later, the Inflation Reduction Act (2022) extended those same temporary enhancements through 2025—again, not permanently.

Here comes the kicker. The “Inflation Reduction Act” did away with income limits.

Pre-2021 (original ACA): Premium subsidies were capped — only available to households with income below 400% of the federal poverty level (FPL).
- In 2025: ~$58,320 for an individual, ~$120,000 for a family of 4.
- No subsidies above that threshold, regardless of premium cost.
American Rescue Plan Act (2021) → Inflation Reduction Act (2022):
Removed the 400% FPL income cap
Capped premium contributions at 8.5% of household income — even for very high earners. i.e. millionaires and billionaires.

Read that again. democrats ADDED the millionaire/billionaire bonus without a single GOP vote.

Then there’s 0 Premium scam.

The term “$0 premium scam” (or “$0 premium fraud”) refers to widespread fraudulent schemes exploiting the Affordable Care Act (ACA) Marketplace’s enhanced premium tax credits, which allow many low- and moderate-income enrollees to access health plans with $0 monthly premiums (the subsidy covers the full cost). While legitimate $0-premium plans exist for eligible households (e.g., those earning 100–150% of the federal poverty level, or about $15,060–$22,590 for an individual in 2025), scammers and rogue brokers have abused this system since the credits were expanded in 2021. This has led to an estimated $20 billion in taxpayer losses from improper enrollments as of 2024, per reports from the Wall Street Journal and Paragon Health Institute.

How the Scam Works: Scammers (often unlicensed “web brokers,” lead generators, or rogue agents) target vulnerable people via deceptive ads on social media (e.g., Facebook), mailers, or cold calls. Here’s the typical playbook:

Deceptive Marketing: Ads promise “$0 health coverage” plus fake “cash bonuses” (e.g., “$6,400 subsidy allowance” for groceries or rent). This misrepresents the premium tax credit (PTC), which goes directly to insurers, not consumers.
Falsified Applications: They harvest personal info (SSN, income estimates) via fake sites mimicking HealthCare.gov. Brokers then:
- Underreport income to qualify for max subsidies.
- Enroll people without consent (e.g., signing up homeless individuals or those with employer coverage).
- Switch existing plans to high-deductible “$0 premium” ones for commissions ($300–$600 per enrollment).
- Hidden Costs Hit Later: Victims discover they’re enrolled months later. If actual income is higher, they owe the excess subsidy back at tax time (up to repayment caps, e.g., $3,000 for incomes under 400% FPL). Plans often have sky-high deductibles ($8,000+), leaving users exposed.
- Scale: Enrollment in ACA plans tripled to 21 million+ since 2021, driven by subsidies. Fraud estimates: Up to 5 million improper enrollments in 2024 alone, per Sen. Chuck Grassley (R-IA). A 2024 DOJ indictment charged two brokers with a $161 million scheme via falsified apps.

How to fix it:(Grok)

Category	Key Fixes
Enforcement	Suspend rogue brokers (200+ done), revoke shady platforms, DOJ prosecutions ($161M cases).
Rules	$5/month fee for auto-reenrolled $0 plans; require consent for switches; real-time income checks.
Legislation	Reimpose 400% FPL cap, end $0 plans (min $10–$20 premium), national broker registry, ban switch commissions.
Tech	AI to flag bulk/fake sign-ups, 2FA, limit third-party access.
Consumer	Enroll only via HealthCare.gov, verify agents, check status monthly, report fraud to CMS/FTC.

This is what should be done. Schumer said the current law must be extended for one year first and there would be no negotiating before that. A one-year extension just continues the abuse and fraud and protects the subsidies for millionaires and billionaires. It also sees the issue come to a head once again in the midterm elections. It’s a pathetic and obvious attempt at a trap. It would be Deja vu all over again.

Obamacare is a FAILURE and democrats refuse to fix it. These are Schumer’s demand for reopening the government.

Here’s Obama promising us the world:

Virtually everything that Obama promised about Obamacare was a lie.

Now the country is stuck dealing with the ramifications.

Instead of taking responsibility, Democrats have shut down the government and are demanding that Republicans fix what they broke. pic.twitter.com/eJgMUeMbgJ

— MAZE (@mazemoore) November 7, 2025

From where I sit, Schumer can go to hell. NYC Radio host Bob Grant used to refer to the senior democrat Senator from NY as “Schmuck Schumer.”

That’s the best description I’ve ever heard.

DrJohn

DrJohn has been a health care professional for more than 40 years. In addition to clinical practice he has done extensive research and has published widely with over 70 original articles and abstracts in the peer-reviewed literature. DrJohn is well known in his field and has lectured on every continent except for Antarctica. He has been married to the same wonderful lady for over 45 years and has three kids- two sons, both of whom are attorneys and one daughter who is in the field of education.

DrJohn was brought up with the concept that one can do well if one is prepared to work hard but nothing in life is guaranteed.

Except for liberals being foolish.

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Spurwing Plover

2 months ago

So just how many wealthy Democrats are in office today?

BLSinSC

How about offering a REWARD to anyone who gets a 1095 but never signed up for the ocrapcare FRAUD! REQUIRE a COPY of the ENROLLMENT FORM complete with SIGNATURES to be mailed WITH the 1095! That would give people all they need to file a FRAUD CLAIM and reap a % of Recovered STOLEN FUNDS!