Peter Schorsch
National conservative think tank Plymouth Union Public (PUP) Research issued a memo this week calling on Congress to extend premium tax credits that help working families pay for their health care.
“Extending the enhanced tax credits is a free-market policy position and will save billions if paired with tailored Medicaid reforms,” according to the May 6 memo.
Florida has consistently led the nation in enrollments for the Affordable Care Act (ACA), with more than 4.2 million residents relying on private exchanges for health care coverage.
Tax credits help bring down the cost of insurance for individuals who participate in the marketplace. However, the credits are scheduled to expire later this year, which would exponentially increase the cost of coverage for working Floridians.
According to Florida Conservatives for Affordable Health Care, a family of four earning $64,400 yearly would be forced to pay $4,300 more for coverage if the tax credits expire. A 60-year-old couple earning $82,000 annually would see an increase in annual premiums of more than $13,500.
“The main goal of the credits was to allow more working Americans to buy private insurance with the assistance of a federal tax credit,” according to PUP Research. “The program was an immense success.”
PUP Research underscores the importance of maintaining access to affordable private insurance, especially as Congress considers cuts to Medicaid.
The U.S. House Energy & Commerce Committee is expected to cut Medicaid spending by as much as 11% over the next decade. Such an aggressive move would remove 8.6 million Americans from health coverage.
“Without offering the potential 8.6 million Americans a viable alternative to find health coverage, Republicans could spur a public health crisis with significant political consequences,” states the memo.
The group cited polling conducted in February by President Donald Trump’s pollster, Tony Fabrizio. The survey found that four out of five swing district voters supported extending tax credits for private insurance, and 78% of Trump voters supported extending the health care premium tax credits.
PUP Research is led by Republican consultants with experience working at the Republican National Committee, for then-Sen. Marco Rubio, now U.S. Secretary of State, and the Republican Attorneys General Association.
25 comments
Oscar
May 8, 2025 at 8:49 pm
Tax credits for overpriced rubbish health insurance is the very antithesis of free market policy. Does the ‘clearly doesn’t think tank’ Plymouth Union Public even understand basic economics? Why exactly is it taxpayers obligation to subsidize others health insurance? Again, completely the antithesis of free markets.
JD
May 8, 2025 at 8:56 pm
You clearly didn’t read the article, or if you did, you didn’t understand a word of it. Calling premium tax credits “the antithesis of free market policy” is economic cosplay. Plymouth Union Public Advocacy, a conservative think tank, is advocating for these tax credits precisely because they support market participation and competition. But sure, go ahead and tell the conservative economists they don’t understand basic economics.
The article makes it clear: without the enhanced subsidies, millions of Americans will be priced out of coverage, shrinking the risk pool, raising premiums for everyone else, and destabilizing the private insurance market. That’s not “free market purity”—that’s economic self-sabotage.
And let’s not pretend the health insurance market is some utopia of unfettered capitalism. It’s already distorted by employer subsidies, hospital monopolies, and opaque pricing. Tax credits help correct market failures, expand consumer choice, and reduce government costs in the long run. The think tank even projects $540 billion in savings if paired with sensible reforms.
So no, you’re not defending the free market. You’re defending a fantasy where uninsured people vanish and no one else pays for it. But we do—through higher premiums, crowded ERs, and lost productivity.
Next time, if you’re going to invoke “basic economics,” at least learn the difference between ideology and impact.
Ron Greiner HSA King
May 9, 2025 at 7:26 am
Dave Rexrode was the Executive Director of the Republican Governors Association and not an economist. JD, geez.
Plymouth Union Public Advocacy, which is Dave Rexrode, Dee Duncan, and Scott Will, suckered you into writing a bogus story supporting Obamacare subsidies. The ACA “Extended Subsidies” will pay $4,248 monthly or $50,976 annually for a Charleston, West Virginia, 60-year-old couple with three children earning $200,000 Modified Adjusted Gross Income (MAGI). This family pays $0 monthly for Highmark Blue Cross with a ridiculous family deductible of $17,800. BlueCross is raping taxpayers of $50,976 annually for each family who will get nothing unless claims exceed $17,800! (Come on, JD, Blue Cross loves this, but they are scamming the federal taxpayers.)
This family qualifies for $14,000 with President Trump’s failed American Healthcare Act of 2017. The 60-year-old parents qualify for $4,000 each, and the three children qualify for $2,000 each. This tax credit would pay 100% of Allstate’s portable, guaranteed renewable, zero-deductible, Individual Medical (IM) from Allstate Health Solutions, and then deposit $1,904 into the family’s tax-free HSA at the bank at $158 monthly. Now this family has a zero-deductible on inpatient and outpatient benefits, plus Allstate pays in addition to auto insurance. Allstate also boasts a 3-year rate lock, premiums can’t go up.
This is America’s biggest story, and you are being suckered like a fool to write this nonsense. I’m licensed nationwide and enrolled America’s first tax-free Health Savings Account (HSA) in 1996. The tax-free HSA is the centerpiece of Republican Healthcare Reform. Allstate purchased TIME Insurance, America’s oldest health insurance company, and was the first to market tax-free HSAs. Allstate is the only insurance company in the USA, other than the ACA and government plans, with “Child-Only” insurance.
Broward County, Florida, has free insurance for teachers, but if they add a child to the school’s insurance, the school charges $998 monthly. If this teacher adds two children, the cost is $1,753. Allstate’s zero-deductible for a child in Broward County is $110 monthly. Trump’s $2,000 tax credit would pay 100% of the premium of $1,320, and the unused credit is deposited monthly into the child’s HSA at the bank at $56 monthly. Republican Senators Susan Collins, Bill Cassidy, and John McCain saved Obamacare in 2017. If Trumpcare had passed, all Florida children would qualify for Allstate’s zero-deductible insurance today in 2025.
If you wrote a real story, then maybe one politician in America would have the courage to support Republican Healthcare Reform. Joe Kaufman running for Congress in the Florida 23rd would be perfect because he believes in free and open markets. Trust me, JD, if you get cancer, you want the security of portable, Guaranteed Renewable, Individual Medical (IM), and all ACA exchange plans last only 12 months. I suggest America’s oldest health insurance company, which is now called Allstate, at Save101.com (Want to argue JD?)
JD
May 9, 2025 at 11:00 am
This sounds like you had AI write your response.
My Health Insurance on the Exchange is currently $1150 / mo for just the 2 adults in my family of four and is posed to go up to $2200 / mo after the subsidies end. So whatever AI generated nonsense you are shilling, you might want to make sure it is not hallucinating.
Geeze Ron Greiner HSA King
JD
May 9, 2025 at 11:15 am
Mr. Greiner, I already replied once, but I want to clarify a few things.
Your example, a 60-year-old couple with three children earning $200,000 and receiving over $50,000 in ACA subsidies, is a highly unusual edge case. That level of benefit at that income is not typical. Most ACA recipients fall into much lower income brackets. Using a rare scenario to discredit the entire system, without proper context, misrepresents how it works for the majority of Americans.
You describe Allstate’s “zero-deductible” plans as if they are fully comparable to ACA-compliant major medical plans. But unless those are true comprehensive policies, and not short-term, indemnity, or limited-benefit plans, they are not equivalent. Many of these alternatives exclude essential services like maternity care, mental health, or prescription coverage. They may appear cost-effective for healthy people, but they are not a reliable safety net when serious health issues arise.
You also claim ACA plans “only last 12 months,” but that simply refers to annual renewal, which is standard in the insurance industry. ACA plans are guaranteed renewable by law, and people are not removed unless they fail to pay or skip re-enrollment. Presenting this normal cycle as a flaw is misleading.
It is also worth noting that you are licensed to sell these insurance products and are actively promoting your own website. That creates a clear conflict of interest. Your argument is not just a policy opinion, it is tied to your business interests. That should be transparent to anyone reading your post.
On top of that, your “Want to argue, JD?” tag line is not just an invitation to debate. It is also a tactic. Florida Politics has strong SEO visibility, and engaging here with your name and business links gives you a boost from their search traffic. You are using this forum to raise the profile of your business, not just to inform.
As I said in my earlier comment, I am currently paying $1,150 per month for just the two adults in my family of four through the ACA Exchange. When subsidies expire, that jumps to $2,200. This is not hypothetical. It is the lived experience of people trying to stay covered. Overselling alternatives while downplaying the tradeoffs does not help anyone.
JD
May 9, 2025 at 11:18 am
I already responded, but I want to clarify a few things.
The example you gave, a 60-year-old couple with three kids making $200,000 and receiving over $50,000 in ACA subsidies, is not typical. Most families on the ACA Exchange have far lower incomes. Highlighting an edge case without context gives a distorted view of how the system works.
The Allstate plan you mention may sound good on paper, but unless it is fully ACA-compliant, it likely lacks coverage for things like maternity, mental health, or prescriptions. Plans like that often look affordable until someone actually gets sick and finds out what is not covered.
ACA plans do renew annually, like any insurance. They remain guaranteed renewable as long as payments are made and enrollment is updated. Saying they “only last 12 months” is technically true, but it leaves out that this is standard and not a flaw.
Also, you have a financial interest in the products you are promoting, which should be considered. You are using this platform, which ranks well in search results, to boost visibility for your site and business. That is fine, but readers deserve to know the full context.
As I said earlier, my ACA premium is $1,150 now and will rise to $2,200 if subsidies expire. That is the real issue.
Ron Greiner HSA King
May 9, 2025 at 11:41 am
Sounds to me like you have worthless Ambetter that is losing a class action RICO lawsuit for defrauding clients in 29 states. If your wife gets cancer, do you want to go to the MAYO Clinic in Jacksonville?
Move this family to Cheyenne, WY, zip code 82001, the ACA income-based credits for 2025 are $42,768 annually. Blue Cross is paid $45,096 with a $9,200 per-person deductible. This is the result of decades of the Blue Cross Association bribing politicians in Washington, DC, the swamp. Blue Cross spends more than any other corporation. Moving this family to the Orlando 32789 zip code in 2025, this family qualifies for ACA Income-based credits of $20,952 annually, which is smaller because of increased competition. The Florida Blue Cross PPO rate is $4,820 monthly or $57,840 with a monster $9,200 deductible. If your spouse has cancer and you wish to use the MAYO Clinic in Jacksonville, your only option is Florida Blue Options. This plan increased by 20% on January 1st.
You think AI had me enroll America’s 1st tax-free HSA in 1996 when they were called tax-free MSAs? That is too ridiculous, JD.
You have a $2,200 ACA plan with a monster $9,200 deductible! Haha, if I move this 60-year-old family to the Orlando zip code 32789 with an effective date of June 1, 2025, it incurs a monthly rate of $1,008 with a zero deductible, including a three-year rate lock with Allstate. Rates cannot increase. Florida Blue is in significant trouble because they have been caught overcharging $3,812 more per month than Allstate, with a large $9,200 deductible that the public dislikes.
Trump’s American Healthcare Act of 2017 (Trumpcare) had Age-Based tax credits, meaning everybody would qualify. Not one think tank in America explained Trump’s Refundable tax credits as an Option to Obamacare. The 60-year-old parents qualified for a $4,000 credit each, plus the children’s $2,000 each, total of $14,000 Family Trumpcare Subsidy. Trumpcare would pay the entire Allstate premium of $12,096 and deposit the unused credit into the Family’s HSA at the bank at $1,904 annually or $158 monthly.
The CBO reported in 2017 that 22,000,000 people would become uninsured if Trumpcare passed. That was a lie, and they are lying this week that the 2025 options to Medicaid will create millions of new uninsured.
If Trumpcare had passed, JD, you would have had FREE insurance with a zero deductible, plus Trumpcare would have deposited into your tax-free HSA at the bank every month.
I’m licensed coast to coast, and I’m surprised you want to argue with me when your knowledge is so itty-bitty. Come on, JD, name your dangerous plan.
Florida Blue is charging the most of all of these examples. Florida Blue is charging Pasco teachers in Tampa Bay $2,563 monthly to add a spouse and child. Sarasota teachers suffer from paying $2,300 monthly.
All nine of Rep. Kat Carmack’s counties have the Blue Cross Monopoly for teachers’ insurance, and Hamilton County, Florida, teachers pay $2,750 monthly to insure their families with Blue Cross, the highest teacher rates in America. Kat doesn’t list healthcare as an issue on her website. She needs to be replaced.
AI is advising me to tell you that at Allstate, we call the local Blue Cross companies in the states, the local yokel. You’re a hoot, JD.
JD
May 9, 2025 at 12:05 pm
So your sales pitch involves calling people ignorant, name-dropping your HSA from 1996, and stuffing your comment with SEO bait? Bold strategy. You’re not debating policy, you’re selling Allstate plans in a comment thread.
Cherry-picking zip codes and premiums without context doesn’t prove ACA is broken. It shows that private insurers vary wildly by region, which includes Allstate. If your “zero deductible” plan isn’t ACA-compliant, it likely excludes key coverage. That’s not better, just riskier.
Trumpcare’s age-based credits would have raised costs for older and lower-income people. The CBO estimate wasn’t a lie. it was basic math based on your plan cutting Medicaid and subsidies.
You talk about teacher insurance costs but ignore the funding issues that cause them. Blaming politicians while pushing your product isn’t reform. It’s opportunism.
I’ll stick with my Exchange plan. At least it’s transparent and regulated. You’re just running a lead gen campaign disguised as outrage. That’s straight up scummy.
JD
May 9, 2025 at 12:07 pm
This isn’t a healthcare debate. It’s a sales pitch. You’re using cherry-picked examples to sell Allstate products while posing as a concerned expert. You mention zip codes, tax credits, and teacher premiums, but every one of your comparisons leads back to the same thing, your plan, your product, your business.
You’re not here to inform. You’re here to convert readers into leads. If your Allstate plan is so strong, it should hold up without needing exaggerated comparisons or personal jabs. The ACA isn’t perfect, but at least it’s transparent and regulated. You’re just running a promotion disguised as outrage.
Lee Benham
May 9, 2025 at 12:24 pm
“Where ignorance is bliss, ’tis folly to be wise.”
JD, you are deeply confused here. From your response, it’s clear you don’t understand a basic fact: your premiums have always been $2,200/month. The only thing changing is who’s footing the bill—you or the taxpayers. That’s the flaw at the heart of the ACA: it hides the true cost by shifting part of it to federal subsidies, giving the illusion of affordability when in reality nothing about the actual cost of insurance is reduced.
Ron is correct—whether it’s $50,000 in premiums or sky-high deductibles, this system is failing by design. You mention paying $1,150/month now and fearing a rise to $2,200/month, but that’s not a premium increase—it’s simply that the taxpayer subsidy is ending.
The deeper issue: the ACA has warped the entire concept of insurance. Insurance is meant to transfer risk, not to be a glorified bill-paying service. But under the ACA model, premiums and deductibles are so outrageously high that there’s no real risk transfer left. People are stuck paying massive amounts out of pocket even after insurance kicks in—making it functionally useless for many middle-class families.
You say ACA plans “renew annually” and are guaranteed renewable. True—but that’s standard across the industry and doesn’t change the fact that these plans are often stripped-down networks with massive holes in coverage and enormous cost-sharing.
In short, you’re seeing the cracks now that subsidies are set to expire. The problem isn’t Ron or Allstate; the problem is the ACA’s fundamental design, which disguises unsustainable costs and calls it “affordable.”
Ron Greiner HSA King
May 9, 2025 at 12:33 pm
That’s harsh, JD, that I am a scam. The State of Florida sells job-based health insurance to single-parent state employees for $180 monthly for the Florida Blue Cross PPO. When the mother develops ovarian cancer and becomes too sick to work, the federal COBRA law of 1985 switches the entire premium that taxpayers were paying to the cancer-stricken mother, and her premiums explode to over ten times more when she has no income. Yup, her COBRA cost is $2.054 for months 1 through 18, and the 19th month increases to $3,021 monthly.
Blue Cross is professional and had this law passed because when the mother can’t afford these sky-high premiums (More than you pay for a family of 4 JD), now they can legally terminate this mother’s insurance and laugh all the way to the bank. Obama knew exactly what he was doing, insisting that all of America be on dangerous job-based benefits that are lost with cancer.
This technically isn’t murder, but it’s darn close, JD. What do you think?
JD, I can honestly say to this very day, I have never made a penny on an HSA; they are free. There is no commission. You, on the other hand, have been writing about Obamacare since 2010 and don’t have a clue. You are the propaganda that puts Americans in danger, sir, not me. Also, Allstate pays for complications of pregnancy and C-sections, so what are you talking about?
JD
May 9, 2025 at 12:57 pm
HSAs aren’t free. Most charge monthly fees unless you meet balance thresholds, and investment options come with typical brokerage fees. And while you may not earn directly from the HSA, you absolutely benefit from selling the high-deductible plans that make them possible.
This is like a new version of whole life insurance—wrapped in tax talk, pitched with fear, and sold as freedom. You’re not informing people. You’re selling. And to top it off, you’ve confused me with some other “JD” from 2010. Get your facts, and your target, straight. Want to argue? This is the last post from my end to you. It is just building your SEO.
JD
May 9, 2025 at 12:57 pm
HSAs aren’t free. Most charge monthly fees unless you meet balance thresholds, and investment options come with typical brokerage fees. And while you may not earn directly from the HSA, you absolutely benefit from selling the high-deductible plans that make them possible.
This is like a new version of whole life insurance wrapped in tax talk, pitched with fear, and sold as freedom. You’re not informing people. You’re selling. And to top it off, you’ve confused me with some other “JD” from 2010. Get your facts, and your target, straight. Want to argue? This is the last post from my end to you. It is just building your SEO-index.
JD
May 9, 2025 at 12:58 pm
HSAs aren’t free. Most charge monthly fees unless you meet balance thresholds, and investment options come with typical brokerage fees. And while you may not earn directly from the HSA, you absolutely benefit from selling the high-deductible plans that make them possible.
This is like a new version of whole life insurance wrapped in tax talk, pitched with fear, and sold as freedom. You’re not informing people. You’re selling. And to top it off, you’ve confused me with some other “JD” from 2010. Get your facts, and your target, straight. Want to argue? This is the last post from my end to you. It is just building your SEO-index
JD
May 9, 2025 at 12:59 pm
HSAs aren’t free. Most charge monthly fees unless you meet balance thresholds, and investment options come with typical brokerage fees. And while you may not earn directly from the HSA, you absolutely benefit from selling the high-deductible plans that make them possible.
This is like a new version of whole life insurance wrapped in tax talk, pitched with fear, and sold as freedom. You’re not informing people. You’re selling. And to top it off, you’ve confused me with some other “JD” from 2010. Get your facts, and your target, straight.
Ron Greiner HSA King
May 9, 2025 at 1:36 pm
The 1st HSA was in 1996, and the premium was $24 monthly. After his HSA deposit, he saved more in taxes than the cost of his insurance. After 28 years, I have never seen that concept put to print. IRAs and 401Ks are old, taxed accounts. HSAs enjoy tax-free deposits, growth, and withdrawals! Amen. Total tax freedom.
Money that is never taxed will last longer in retirement. Allstate purchased TIME Insurance Company, America’s oldest insurance company (1892). Now, Allstate is the only insurance company in America with “Child-Only” insurance. Broward County teachers must pay $998 monthly to insure one child. Allstate’s zero-deductible guaranteed renewable coverage is $110 for a child. Florida Healthy Kids charges $248 monthly for their Full Pay program, more than double.
The Orlando Weekly reports that Florida hospitals will charge 10 times more for uninsured children. You don’t care. You don’t care that Florida schools are charging $2,000 monthly for teachers to cover their spouse and child on Florida Blue Monopoly
Then you say the USA’s only tax-free account under the federal tax code is like a whole life insurance plan. Really, for an editor, you don’t argue well. Cough up the name of the plan you put your wife and children on. You can answer one question instead of more of your uneducated opinions.
Explain JD, of 2025. Why did you get a short-term ACA insurance that lasts only 12 months? Don’t you know people need guaranteed renewable insurance that can’t go up or be cancelled with cancer? We know for a fact that if you took your wife to the MAYO Clinic with cancer, your plan pays NOTHING out of network.
You know if your wife gets cancer, you are not taking her to the best. You don’t get the best with Obamacare. You know UnitedHealthcare is declining 33% of all in-network claims in Obamacare. When you write, you should tell the truth instead of all your fruitcake, deadly opinions.
Face it, when you write, people learn nothing but propaganda for Obamacare. When I talk, people get the truth. Unless you can find one false statement, good luck. Ya, some banks charge $3 monthly for HSAs, but TIME insurance was always free. So yes, I have never made a penny on an HSA. You’re a hoot JD.
JD
May 9, 2025 at 1:41 pm
Let’s start with the basics. I’m not an editor, just a commenter. You’ve mistaken me for someone else again, which raises questions about how much of what you write is based on facts versus assumptions.
You claim the only tax-free account under the federal tax code is an HSA. That’s not accurate. Roth IRAs also allow for tax-free withdrawals, and 529 education accounts do as well. HSAs have unique advantages, but they are not the only option.
You also suggest ACA plans are short-term and not guaranteed renewable. In fact, ACA-compliant plans are guaranteed renewable by law and continue as long as premiums are paid and eligibility remains.
The idea that ACA plans pay nothing out-of-network is misleading. Some plans include out-of-network coverage depending on the plan tier. Access to places like Mayo Clinic depends on network agreements, not hidden agendas.
Regarding the claim that you’ve never made a penny on HSAs, even if that’s technically true, the way you promote Allstate offerings with selective comparisons clearly supports a commercial interest. The pattern of steering every example toward one product makes this read more like a pitch than a neutral discussion.
So yes, there are multiple claims here that are incorrect or misleading. This isn’t just sharing information, it’s marketing.
Ron Greiner HSA King
May 9, 2025 at 2:08 pm
Dr. John Goodman, the father of HSA, supports taxing the HSA like a Roth. So you think taxing EVERY dollar saved is the same as tax-free HSAs, odd. Now, if you had said tax-free ESA (Educational Savings Accounts) for school choice, that is taking the country by storm, you would have been almost right. $8,000 annual ESA vouchers have been passed in Florida and Iowa. Last month, Texas passed $10,000 Annual ESAs.
Tax-free HSAs, Tax-free ESAs, and Tax-Free PSAs = the Republican Ownership Society.
Roths are fine, says JD, tax me. Dr. John Doodman says he is the father of HSAs, but I enrolled the 1st one, so who REALLY is the father? I could tell immediately you had Centene. That’s Ambetter. Centene has the Chicago FOSTER children account, and the Chicago Sun-Times reports it takes over a year for at-risk kids to see a doctor. This means dead kids after they took $370M for the contract.
Centene is the biggest in Obamacare and Medicaid and was the best stock on the S&P 500 in 2018. Big, Big, money in Medicaid declining claims! You sure write like a fruitcake liberal reporter.
Why do you support that deadly crap. Tell the million Ohio people that Aetna Obamacare dropped this week. YOU LIAR! Obamacare is not Guaranteed Renewable. If you would lie about that, you would lie about anything. If they’re paying you $20 an hour, they are paying too much. You’re terrible. Get a different job.
JD
May 9, 2025 at 2:21 pm
Let’s clean this up.
First, Roth IRAs are tax-free on qualified withdrawals, just like HSAs. So no, “taxing every dollar saved” isn’t happening. You either don’t understand how Roths work or you’re hoping no one else does. Contributions are post-tax, growth and withdrawals are tax-free.
Second, ESAs aren’t some miracle tax-free savings tool. They’re state-run voucher schemes designed to siphon public education dollars into private hands. That’s not innovation. That’s defunding public schools under the banner of “school choice.” Florida’s $8,000 ESA isn’t a check to families. It’s a pipeline to private schools and charter corporations, with zero public accountability.
Third, Obamacare plans are guaranteed renewable by law. That’s federal statute. If Aetna left a market, that’s a corporate choice, not a loophole in ACA protections. Guaranteed renewable means your plan can’t be canceled just because you get sick or cost too much. That’s settled law.
As for Centene, if foster kids in Chicago are waiting a year for care, that’s a state Medicaid contract failure. Medicaid is run by states. Mismanagement or corruption in Illinois doesn’t prove anything about the ACA. It proves states can screw up when no one’s watching.
And if you need to shout “YOU LIAR” and insult someone’s job instead of bringing evidence, you’ve already lost. That’s not debate. That’s deflection.
Bring facts, not tantrums. Maybe you’ll earn more than $20 an hour too.
Ron Greiner HSA King
May 9, 2025 at 2:40 pm
At least we can agree that Social Security is a Ponzi scheme. A Black male’s average lifespan in 1993 was 51. They still have the shortest lifespan between the genders and races. Richard Pryor died 9 days after his 65th birthday, and his kids got nothing. Highly educated, rich people live the longest. Social Security is a racial rip-off.
If those high taxes matched by the employer were going to the Black man’s tax-free Private Savings Account (PSA), if he dies young at 65, that $1 million (PSA) will go to his children, instead of highly educated, wealthy, white women who live the longest.
Tax-free PSAs are family-friendly.
I’ll go slow, Roth accounts are taxed at deposits, and HSAs are not. Don’t ever say they are close again. One is an old TAXED account an HSA isn’t.
Think about it, JD. If Social Security is a racial rip-off, then Medicaid is too. It’s the same problem with short lifespans. It is much worse, but that’s too complicated for you.
All racists love Social Security, so I know what you think.
JD
May 11, 2025 at 10:11 pm
Wow Ron, that was a masterclass in dodging the point. First, you changed the subject completely. We were talking about HSAs and ACA plans, but now we’re on Social Security and Richard Pryor’s lifespan. Then you threw in emotional bait with race and death to frame disagreement as immoral. You tossed out a $1 million PSA with zero evidence like it came straight from a marketing brochure. You compared Roth IRAs and HSAs like they’re apples and radioactive oranges, calling one “old” and ignoring how both offer different tax advantages. Then you rounded it all off by accusing me of racism, because apparently that’s your closer when the facts run out. None of this addressed anything I said. But sure, tell me again how you’re just here to share the truth.
JD
May 9, 2025 at 2:44 pm
It raises a question, if someone is aggressively pushing people away from ACA plans with misleading claims, while boosting HSAs or specific insurers, is that just political opinion or something else?
If that person also happens to be a licensed agent, aren’t there strict rules about that. Does Florida law and CMS marketing guidelines may prohibit misrepresentation, undisclosed financial interest, and using fear to steer people toward private plans?
Not saying that’s what’s happening here. But the mix of half-truths, strong opinions, and promotion of specific products sure makes it worth asking, is this there genuine rant or a stealth sales pitch?
Either way, it’s a good reminder to fact-check health insurance claims, especially when they come with sales-friendly framing.
Ron Greiner HSA King
May 9, 2025 at 3:00 pm
Name one half-truth. I’ve named many of yours. Allstate is the only insurance carrier with child-only insurance in Florida besides Florida Healthy Kids for $248 monthly. This is more than double. It’s always been this way since 1993, TIME was the only carrier with child-only insurance. You are saying I can’t say their name because the ACA and the CMS will get me? I’m not scared and know the law.
Yes, the state of Florida is selling health insurance to single-parent employees for $180 monthly to add their child to the Blue Cross PPO. Then, when she gets cancer, like Casey DeSantis, and becomes too ill to work, she will be cut from the herd and charged over $2,000 monthly for COBRA when she has no income. Blue Cross will then legally terminate her insurance for nonpayment, and their stock goes up!
This is the business plan of Obamacare. Kinda Deadly, right JD? Name one-half truth, JD. I have caught you in lies, but name one of mine. – You’re terrible at debate
JD
May 11, 2025 at 10:12 pm
Ron, you didn’t answer the question. I asked about the ethics of using half-truths and fear to promote private plans while licensed as an agent. Instead, you gave me another story about COBRA and cancer, threw in Casey DeSantis, and somehow turned ACA into a conspiracy to raise stock prices. That’s not a rebuttal. That’s a diversion. You keep asking me to name a half-truth. Here’s one. Saying ACA plans aren’t renewable is false. Saying HSAs are the only tax-free account is false. Saying Allstate is the only option for child-only insurance in Florida is misleading at best. This isn’t a debate anymore. It’s a pitch dressed up as outrage. And if you’re licensed, that should matter.
JD
May 11, 2025 at 10:15 pm
The more this goes on, the more it feels like you’re a paid shill based somewhere overseas, using AI to generate content for HSA King without fully understanding what it’s actually producing. If not, you are a shitty HSA account manager and not the SME you claim to be.
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