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"This is what happens when we design systems for insurance companies instead of humans."
Time on Thursday published reporting about "how fake health insurance is luring people in," and along with sharing stories of Americans tricked into paying for plans that aren't compliant with the Affordable Care Act, the article features an expert's warning that more could be fooled if Congress lets ACA subsidies expire.
The ongoing federal government shutdown stems from congressional Democrats' efforts to reverse recent GOP cuts to Medicaid and extend the ACA tax credits, which set to expire at the end of the year. Open enrollment for 2026 plans sold on ACA marketplaces starts Saturday, and Americans who buy insurance through these platforms now face the looming end of subsidies and substantial monthly premium hikes.
"Confusion about navigating insurance writ large and the Affordable Care Act marketplace in particular has led many people to end up with plans that they think are health insurance which in fact are not health insurance," Time reported. "They mistakenly click away from healthcare.gov, the website where people are supposed to sign up for ACA-compliant plans, and end up on a site with a misleading name."
ACA plans are required to cover 10 essential benefits, the outlet detailed, but consumers who leave the official website may instead sign up for short-term plans that don't span the full year, fixed indemnity plans that pay a small amount for certain services, or "healthcare sharing ministries, in which people pitch in for other peoples' medical costs, but which sometimes do not cover preexisting conditions."
Claire Heyison, senior policy analyst for health insurance and marketplace policy at the Center on Budget and Policy Priorities, told Time that "there's no question that more people will end up with these kinds of plans if the premium tax credits are not extended."
According to the outlet:
These non-insurance products "have increasingly been marketed in ways that make them look similar to health insurance," Heyison says. To stir further confusion, some even deploy common insurance terms like PPO (preferred provider organization) or co-pay in their terms and conditions. But people will pay a price for using them, Heyison says, because they can charge higher premiums than ACA-compliant plans, deny coverage based on preexisting conditions, impose annual or lifetime limits on coverage, and exclude benefits like prescription drug coverage or maternity care.
Often, the websites where people end up buying non-ACA compliant insurance have the names and logos of insurers on them. Sometimes, they are lead-generation sites... that ask for a person's name and phone number and then share that information with brokers who get a commission for signing up people for plans, whether they are health insurance or not.
To avoid paying for misleading plans, Heyison advised spending a few days researching before buying anything, steering clear of companies that offer a gift for signing up, and asking for documents detailing coverage to review before payment.
On the heels of Time's reporting and the eve of open enrollment, Data for Progress and Groundwork Collaborative published polling that makes clear Americans across the political spectrum are worried about skyrocketing health insurance premiums.
The pollsters found that 75% of voters are "somewhat" or "very" concerned about the spikes, including 83% of Democrats, 78% of Independents, and 66% of Republicans. While the overall figure was the same as last week, the share who said they were very concerned rose from 45% to 47%.
As the second-longest shutdown ever drags on, 57% of respondents said they don't believe that President Donald Trump and Republican majorities in both chambers of Congress are focused on lowering healthcare costs for people like them and their families. More broadly, 52% also did not agree that Trump and GOP lawmakers "are fighting on behalf of" people like them.
A plurality of voters (42%) said that Trump and congressional Republicans deserve most of the blame for rising premiums, while 27% blamed both parties equally, and just a quarter put most of the responsibility on elected Democrats.
"While President Trump focuses on the moodboard for his gilded ballroom and House Republicans refuse to show up for work in Washington, a ticking time bomb is strapped to working families’ pocketbooks," said Elizabeth Pancotti, Groundwork Collaborative's managing director of policy and advocacy, in a Friday statement.
Pointing to the Trump administration's legally dubious decision not to keep funding the Supplemental Nutrition Assistance Program during the shutdown, she added that "healthcare premiums are set to double and food assistance benefits are on the brink of collapse in a matter of hours, and voters know exactly who's to blame."
"Instead of acting to prevent healthcare price hikes for the American people, President Trump and Republicans in Congress are playing games with people's lives," said a leader at Groundwork Collaborative.
Twenty-four days into the second-longest government shutdown in US history, yet another poll revealed a rising majority of voters across the political spectrum are concerned about skyrocketing health insurance premiums.
Data for Progress and Groundwork Collaborative surveyed 1,215 likely voters nationwide on Wednesday and Thursday. Results released Friday show that 75% of likely voters—including 83% of Democrats, 72% of Independents, and 69% of Republicans—are concerned about premiums soaring. That is an increase from 72% of respondents who expressed concern last week.
The new survey also shows that 56% of voters—including 85% of Democrats, 65% of Independents, and 23% of Republicans—don't believe GOP President Donald Trump and Republicans in Congress are focused on "lower healthcare costs" for people like them and their families.
The pollsters further found that a plurality of voters continue to blame the president and GOP lawmakers the most for the shutdown, in line with Data for Progress and Groundwork Collaborative's findings from last week.

The new findings track with not only the groups' previous poll but also a survey released earlier this week by the Associated Press-NORC Center for Public Affairs Research—which found that 6 in 10 Americans are "extremely" or "very" worried about their healthcare costs going up over the next year.
"While the president's main priority may be his brand new ballroom, American voters have made their priority loud and clear: Averting the healthcare premium cliff that will more than double their insurance premiums," said Elizabeth Pancotti, managing director of policy and advocacy at Groundwork, in a Friday statement.
Trump headed to Asia late Friday after facing rising criticism in the US this week for the ongoing shutdown and tearing down the East Wing of the White House to build a massive ballroom funded by weapons makers, tech giants, private equity firms, and other corporate donors.
Meanwhile, the GOP confirmed Friday that the US House of Representatives won't return to Washington, DC, next week. The chamber's Republicans passed a funding bill before the shutdown, but they couldn't get it through the Senate, where some Democratic support is needed. Democrats want to undo Republican Medicaid cuts and extend expiring Affordable Care Act (ACA) credits, but the GOP majority refuses.
The open enrollment period for ACA plans begins November 1. The Washington Post reported Friday that "premiums for the most popular types of plans sold on the federal health insurance marketplace Healthcare.gov will spike on average by 30% next year, according to final rates approved by the Centers for Medicare and Medicaid Services."
Absent action sought by congressional Democrats, at least tens of millions could face significant premium jumps—on top of the estimated 10 million people who could lose their Medicaid coverage. Pancotti said that "instead of acting to prevent healthcare price hikes for the American people, President Trump and Republicans in Congress are playing games with people's lives."
A majority of voters agree "Democrats in Congress should only vote for a government funding bill that reverses Republican healthcare cuts, even if that means the government shutdown continues."
Twenty days into the federal government shutdown, polling released Monday by Data for Progress and Groundwork Collaborative shows that US voters are concerned about rising healthcare premiums and want Democrats in Congress to keep fighting for a fix.
The GOP has majorities in both chambers of Congress, but some Democratic support is required to get most bills through the Senate. The government shut down at the beginning of the month after Republicans tried to continue with their spending plans, but Democrats pushed for undoing some of the healthcare cuts in President Donald Trump's One Big Beautiful Bill Act (OBBBA).
The OBBBA is expected to cause at least 10 million Americans to lose Medicaid coverage, and over 20 million more to soon face soaring health insurance premiums because Republicans refused to extend expiring Affordable Care Act (ACA) tax credits. Data for Progress, which polled 1,264 likely voters nationally from October 14-15, found that 72% of respondents were somewhat or very concerned about premiums rising.
A majority—52%—agreed that "Republicans' healthcare cuts will kick millions off their plans and double healthcare premiums on average for millions more. Democrats in Congress should only vote for a government funding bill that reverses Republican healthcare cuts, even if that means the government shutdown continues."
The think tank also found that 43% of respondents blame Trump and congressional Republicans "the most" for the shutdown, while 33% mostly blame Democrats, 21% blame both parties equally, and 2% were not sure.
While voters were split (48% each) on whether congressional Democrats "are fighting on behalf of people like me," a majority (54%) said they do not believe that "President Trump and Republicans in Congress are fighting on behalf of people like me."
The polling comes as Politico reports that "the confidence and cohesion from Republicans on both ends of Pennsylvania Avenue—and a similar confidence among Democrats—augurs no quick end to what is approaching one of the longest shutdowns in history."
Appearing on The Checkup podcast with Dr. Mikhail "Mike" Varshavski on Sunday, Senate Minority Leader Chuck Schumer (D-NY) highlighted that with the OBBBA, the GOP "slashed Medicaid by a trillion dollars. What does that mean? First, it means rural hospitals all across the country, mainly in Republican states and districts, are gonna close. Some have closed already because so many of these hospitals depend on Medicaid. For many counties, like including in some of my counties in upstate New York, they're the only hospital. And they're the largest employer."
"Second, this applies to lots of your audience who I know tend to be young folks," he said. "The parents who were in nursing homes are gonna get kicked out. I was at Silver Lake nursing home on Staten Island where I know your dad lives. The owner told me if these cuts go through, all 300 patients, many of whom are Staten Islanders, are gonna have to leave because I have to close."
"Even more devastating is how the premiums will rise. In other words, we wanna just renew the tax credits that have existed for a while on your ACA," Schumer continued. "If they are not renewed, we asked the Republicans three times, we put votes on the floor, and three times they voted no, unfortunately. Here's what will happen. The average American who's on ACA will pay $500-1,000 more a month, not a year, a month. That's, you know, $6,000-10,000 a year."
The top Democrat stressed that "we hate the shutdown. That's why we want the Republicans to simply sit down and meet with us."
"Essential services, the military, law enforcement, air traffic control, they continue to work without pay. Some other people are furloughed, and they come back when the shutdown is over," Schumer noted. Trump is also pursuing a policy "no president has tried during the shutdown," he added, pointing to the administration's attempt to illegally fire some federal workers.
Data for Progress and Groundwork Collaborative found that 58% of people polled disagreed with Trump's shutdown firings.