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The Goodman Institute Health Blog

Obamacare Crowd Out

Posted on December 17, 2025December 17, 2025 by John C. Goodman

Associated Press


Whereas the ACA’s original subsidies were on average worth $293 (5%) less to households than the value of the tax exemption for employer-sponsored insurance, the expanded subsidies would be worth $3,960 (65%) more. That creates a huge incentive for employers to stop offering health benefits. A Treasury analysis published last December suggested a similar conclusion.

If all employees currently receiving employer-sponsored benefits switched, these higher subsidies would cost federal taxpayers an additional $250 billion a year. Although some companies might still offer health benefits to avoid a $2,970-an-employee penalty, this would deter the elimination of benefits for only one-fifth of nonelderly Americans, as it doesn’t apply to the coverage of spouses, children, or employees of small businesses or the government.

Source: Chris Pope, Wall Street Journal

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For many years, our health care blog was the only free enterprise health policy blog on the internet. Then, when the NCPA closed its doors, the health blog stopped as well.

During this five-year hiatus no one else has come forward to claim the space. So, my colleagues and I have decided to restart the blog in connection with the Goodman Institute. We invite you and others to use this forum to share your views.

John C. Goodman,

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