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Americans are waking up to a hard truth Washington tried to dodge for years: the enhanced Obamacare premium tax credits that many have come to rely on are scheduled to expire on December 31, 2025, and unless Congress acts the price of coverage will soar next year. For conservatives, this cliff is not a crisis to be solved by more permanent dependency, it’s a long-overdue chance to end the bailouts and force real market reforms that lower costs for working families.
Senator Roger Marshall told viewers on Wake Up America what many of us already know — Obamacare was a bad bet from day one and the temporary pandemic-era top-ups only papered over systemic failures. He’s right to call the program “anything but affordable,” and Republicans should use this moment to spotlight waste, fraud, and the moral hazard of handing insurers and bureaucrats ever more of your hard-earned money.
Democrats are predictably leaning on fear and politics, pushing last-minute extensions and trying to make the subsidy cliff into a political weapon as year-end deadlines loom. Bipartisan House members have filed discharge petitions to force votes, but the Washington choreography shows Democrats would rather keep Americans dependent than embrace reforms that empower patients and cut costs.
Meanwhile, rank-and-file Republicans and the White House are pushing alternatives that actually put money back in people’s pockets instead of enriching insurance companies. Proposals floated by Senate Republicans, including plans to deposit up to $1,500 into health savings accounts for eligible Americans, are sensible, market-oriented steps that encourage personal responsibility and control without expanding the administrative welfare state.
Letting these enhanced subsidies expire is not cruelty; it’s clarity. It reveals the true cost of a broken policy and forces a national debate about how to reduce premiums, expand access through competition and HSAs, and crack down on fraud and illegal enrollment that inflates the tab for taxpayers. Conservatives should stop apologizing for common-sense reforms and make the case that freedom, competition, and price transparency will deliver better care at lower cost.
Washington’s real scandal is not that Republicans are debating better options — it’s that Democrats have spent years creating dependency while refusing to fix the underlying drivers of cost. Instead of protecting an unsustainable status quo, GOP lawmakers must offer a bold, pro-market alternative and hold the line against permanent giveaway politics that saddle our children with crushing debt.
This fight will be messy, and millions will rightly worry about their families. But hardworking Americans deserve leaders who will champion reforms that restore choice, crack down on fraud, and return control of health care dollars to patients — not permanent, political subsidies that reward insiders and punish taxpayers. Now is the moment for conservatives to lead with courage and common sense.
