{"id":278487,"date":"2026-02-03T12:25:12","date_gmt":"2026-02-03T12:25:12","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/278487\/"},"modified":"2026-02-03T12:25:12","modified_gmt":"2026-02-03T12:25:12","slug":"us-health-insurance-costs-keep-rising-opening-the-door-for-the-next-big-reform-effort","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/278487\/","title":{"rendered":"US health insurance costs keep rising \u2014 opening the door for the next big reform effort"},"content":{"rendered":"

Another window to stem America\u2019s latest health care cost crisis has closed. Congress set a self-imposed deadline of January 30 to reach a compromise to extend financial assistance available under the Affordable Care Act, and that deadline has passed without an agreement. Already, about 4 million Americans have lost their government aid, and many of them have chosen to go uninsured<\/a> because they can no longer afford their health insurance premiums without it.<\/p>\n

This is the American health care story<\/a>: political paralysis in the face of unaffordable costs. For the millions of people directly impacted, it is a terrible blow.<\/p>\n

I\u2019ve been working on the beat for 15 years, and health insurance keeps getting more expensive. It is one of the most consistent sources of frustration and pain for voters. It is an embarrassment compared to other wealthy countries that manage to deliver universal health care at a lower cost<\/a>.<\/p>\n

This failure to act, yet again, makes the moment feel more hopeless than ever.<\/p>\n

Despite lawmakers\u2019 ongoing impasse, the conditions are actually ripening for another serious attempt to improve the American health care system. Here\u2019s the case for a little optimism on the eve of yet another health care policy failure.<\/p>\n

The \u201cremedy and reaction\u201d cycle of US health care reform<\/p>\n

What\u2019s particularly galling about this week\u2019s (non)event is that nearly two-thirds of Americans believe<\/a> it is the federal government\u2019s responsibility to make sure people have health coverage.<\/p>\n

\"\"<\/a><\/p>\n

Now, take a closer look at that chart.<\/p>\n

The last time Americans were this unified around the idea of the government guaranteeing health coverage was around 2008 \u2014 shortly before our last major health reform law, the Affordable Care Act, passed. The politics of health care are cyclical. It goes something like this:<\/p>\n

A problem becomes impossible for politicians to ignore, and lawmakers pass (or try to pass) an imperfect plan to address it \u2014 and then\u2026<\/p>\n

Voters become incensed over that specific plan \u2014 and then\u2026<\/p>\n

The backlash leaves lawmakers too afraid to try to pass any more significant reforms until the public becomes so fed up again that our leaders feel compelled to act.<\/p>\n

Paul Starr, the preeminent historian of American health care, coined a term for this cycle: remedy and reaction<\/a>.<\/p>\n

For the past 16 years, we have been in a period of reaction to the ACA: Democrats sought to reduce the persistently high uninsured rates among the working class and people in poverty, they came up with the ACA to achieve that goal, voters initially rejected the law after campaigning from Republicans and some corner of the business industry, and the lingering bruises from that backlash made many Democrats reluctant to propose major changes in 2016, 2020 and 2024.<\/p>\n

But now the wheel may finally be coming back around.<\/p>\n

The time is ripe for another big health care swing<\/p>\n

You need a few things to make a big health care push: that critical mass of political support, serious policy chops, and buy-in from at least some of the major health care business interests. The ACA, for example, resulted from Barack Obama\u2019s massive electoral mandate, decades of policy planning dating back to at least the early Clinton years, and acquiescence from hospitals and Big Pharma that opted not to mount a major resistance.<\/p>\n

All three factors are starting to align again.<\/p>\n

We\u2019ve covered the public\u2019s attitude on health care already. The ACA subsidy cliff and Republicans\u2019 Medicaid cuts<\/a> could deepen their anger and their desire for change. The shift to direct-to-consumer health care sales<\/a> \u2014 like people paying cash for Ozempic at Costco \u2014 will further heighten the inequities in our system while squeezing many people\u2019s wallets.<\/p>\n

On policymaking, below the surface, the gears have been slowly churning, setting the stage once again for future action.<\/p>\n

This is a key part of the cycle: Momentum builds slowly, imperceptibly except to those paying close attention, before short windows open that allow for bursts of policymaking.<\/p>\n

Democrats went through a robust debate around what their next health care overhaul might look like<\/a> during the 2020 presidential primary: Medicare-for-all, Medicare for all who want it, more targeted reforms to private insurance. They have been vetting and finetuning these concepts for a decade at this point. More recently, state-level public insurance options have gotten off the ground in states like Washington and started to show promising results<\/a>; those experiences could be valuable when lawmakers are crafting a national plan, just as an existing Massachusetts health care reform law informed<\/a> the ACA\u2019s development.<\/p>\n

Right now, there is a new bipartisan group of lawmakers trying to deliver a deal<\/a> on reforms for pharmacy benefits managers and more. In another sign of the shifting winds, the Trump administration has made moves to reduce drug prices, taking steps \u2014 such as trying to align US prices with international prices<\/a> \u2014 that would have been unthinkable for a Republican a decade ago.<\/p>\n

On our third point, some major special interest groups are having their own moments of crisis \u2014 and they\u2019re in the mood to consider serious reforms. The American Medical Association, long an opponent of single-payer health care, has been gradually softening<\/a> its stance; it has also advocated<\/a> for restoring the ACA financial assistance and building upon the law<\/a>. Even if a true, single-payer system remains a tough sell in the US, these are notable signals that the nation\u2019s most powerful physician lobbying group may not oppose a more muscular government role in providing health insurance and trying to limit costs.<\/p>\n

And as I have reported<\/a>, some companies are starting to seriously ponder the future of employer-sponsored insurance<\/a> as the cost of providing it continues to grow<\/a>. Those employer-sponsored plans, which insure about half the US, have long been considered untouchable because they offer tax-free health benefits \u2014 a major value for the private sector. And some companies say<\/a> they still see that value. But if more firms decide they want to stop playing the role of health insurance administrator, that would be a massive political shift that could open up all kinds of new possibilities.<\/p>\n

National politics will be important: Democrats seem more likely than Republicans to mount a major health care reform effort. But even there, you can argue that the stars are aligning more than it might seem: President Donald Trump is so unpopular right now<\/a> that the Democrats winning the Senate is plausible<\/a>. Then they only need to take the presidency in 2028, and the window will, at least in theory, be open. Health care is a top priority for voters. That won\u2019t change.<\/p>\n

Update February 2, 2026, 9 am ET: This story was originally published on February 2 and has been updated now that Congress\u2019s self-imposed deadline for passing an ACA subsidy deal has passed.<\/p>\n","protected":false},"excerpt":{"rendered":"Another window to stem America\u2019s latest health care cost crisis has closed. Congress set a self-imposed deadline of…\n","protected":false},"author":2,"featured_media":278488,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[129181,103,397,396,61,60,3667,95281],"class_list":{"0":"post-278487","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-healthcare","8":"tag-good-medicine","9":"tag-health","10":"tag-health-care","11":"tag-healthcare","12":"tag-ie","13":"tag-ireland","14":"tag-policy","15":"tag-the-highlight"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/278487","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=278487"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/278487\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/278488"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=278487"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=278487"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=278487"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}