Når det gældre finansieringen, så vil reformen øge udgifterne efter 2014 og koste 940 mia. USD frem til 2019. Indtægterne kommer over en periode på ti år og udgør lidt over 138 mia. USD mere end udgifterne (halvdelen i øgede skatter og halvdelen i besparelser på Medicare). Det betyder, at Obama administrationen kan hævde, at reformen reducerer underskuddet, men det holder ikke, hvis man sammenligner de årlige indtægter og udgifter i 2019.
Medlem af repræsentanternes Hus, Paul Ryan (Rep.) kalder på The Economist (22/3) reformen en fiskal Frankensteain af samme grund, da udgifterne vil overhale indtægter om få år og dermed bidrage til det enormne budgetunderskud på det føderale statsbudget. The Economist har følgende kommentar til reformens forsøg på at kontrollere omkostningerne:
"The truth is that ObamaCare does much to expand coverage, but does too little to rein in health inflation. The reform effort did start over a year ago with aspirations of “bending the cost curve”, but Mark McClellan of the Brookings Institution, a think-tank, explains that the most meaningful proposals have since been “watered down or delayed.” For example, an independent commission on reforming Medicare got defanged, and a promising tax on gilded (or “Cadillac”) insurance plans will now be diluted and delayed for years.
Indeed, it is likely that the laudable extension of insurance coverage now makes it more important to tackle the question of costs. On that, at least, left and right seem to agree. Paul Krugman, an economics professor at Princeton and a liberal booster of reform, said on the eve of the votes, “there is, as always, a tunnel at the end of the tunnel: we’ll spend years if not decades fixing this thing.” Robert Moffit of the Heritage Foundation, a conservative think-tank opposed to the effort, agrees, albeit in darker terms: “This marks the beginning of the next phase of this 100 years’ war”."
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