Cost Sharing Payments

President Trump has raised yet another firestorm from the Democrats.  He has decided to stop "Cost Sharing Payments" to the health insurance industry.  This is in accordance with a federal court decision calling the payments illegal, because Congress never appropriated the money for them.  Plus the concept of my tax money going to private insurance companies boggles my mind.
    Democrats claim these payoffs are necessary to keep Obamacare insurance premiums from going even higher than they have.  To which one might ask why they haven't appropriated the money.  And why the money should go to insurance companies, rather than to patients. 
   The Democratic whining over "Cost Sharing Payments" has drowned out Trump's other Obamacare reform, announced the day before, allowing sale of economical insurance policies, instead of the "covers everything under the sun" Obamacare policies.  The medical industry loves the Obamacare policies, they pay for everything, whether it does any good or not.  Patients don't complain about cost, 'cause it's all paid for.  Used to be you could buy "covers everything" policies for $12000 a year.  They cover routine physicals, the wife and kiddies, prescription drugs, out patient treatments, chiropracty , drug rehab, maternity, mental health, and all the cat scans, ultrasounds and MRI's the patient can stand.  This was the usually deal for employer provided health care. 
   But, they was another option, one that paid for the big stuff that nobody has the money for, and let the patient cover the little stuff out of pocket.  This coverage could be had (before Obamacare outlawed it) for $3000.  If you were in reasonably good health (most of us are) you could save $9000 a year by going with "big stuff only" or "hospitalization only" policies.  The $9000 difference was more than enough for yearly physicals, out patient treatments, pills and plasters, just about anything.  I used to go this way until Obamacare outlawed such policies, and I became eligible for Medicare.   My doctor never approved, he wanted me to get an MRI, I asked what it would cost, he didn't know, it took months to finally get someone to quote me a price ($ Many Thou)  at which point to matter was quietly dropped. 
   Trump is going to allow writing policies that only cover what the patient wants to pay for, rather than cover everything under the sun policies, which are outrageously expensive.   Good deal.