The ObamaCare “subsidy cliff” is poor policy that punishes Americans for working and earning more, but now government will spend scarce resources on those who don’t need help. Brian Blase of the Galen Institute has pointed out that a family of four headed by a 60-year-old earning $240,000 could qualify for a nearly $9,000 subsidy. These are not the folks hit hard by the pandemic, many of whom are eligible for Medicaid.
WSJ Editorial Board

Mr. Blase compared states that allowed short-term plans to flourish with those that restricted them... The only states where individual market premiums have increased since 2018 are the five states that effectively prohibit short-term plans,” writes Mr. Blase... Mr. Blase notes short-term plans could be making other insurers more efficient in order to compete—and that it’s better for the health of the individual market if those who fall ill are covered by short-term plans instead of then switching to ACA plans.
WSJ Editorial Board