Healthcare Cuts and Medicaid Rollbacks: XactInsure’s Perspective on the Fight for Coverage Equity

📢 We’re Speaking Out: Proposed Medicaid Cuts Threaten Millions

As a health insurance agency serving families, individuals, and small businesses across the country — especially those relying on Affordable Care Act (ACA) plans and Medicaid — we at XactInsure feel compelled to speak up.

A new proposal from House Republicans seeks to dramatically cut Medicaid funding and make enrollment more difficult. These changes threaten the well-being of millions of Americans — including children, seniors, rural families, and the working poor.

We’re not alone in our concern. All 23 Democratic governors recently signed a joint statement warning that the proposed changes would be disastrous. Among them is Governor Andy Beshear of Kentucky, who made clear: this plan is not just policy — it’s personal.

“Medicaid covers the people we love the most — our parents, our kids. Half of Kentucky’s children are on Medicaid. 70% of our long-term care is paid for by it.”

🧠 What’s Actually At Stake?

If these Medicaid changes pass:

• 🧒 Children will lose access to routine care, vaccines, dental, and vision
• 👵 Seniors in long-term care could be left without support
• 🏥 Rural hospitals may close, leaving vast areas without care access
• 👨‍👩‍👧‍👦 Working families could face expensive coverage gaps or unnecessary red tape

This is not just a cost-cutting measure. It’s a fundamental shift in how we treat the most vulnerable in our country.

XactInsure believes healthcare is a human right, not a privilege based on ZIP code or income level.

🏥 The Role of Medicaid in Real Communities

In many rural areas, Medicaid makes up 40% or more of local hospital system revenues. It is the backbone of local health access and second only to school districts in employment.

Cutting Medicaid =

• 🧑‍⚕️ Layoffs in local clinics
• 🚌 Longer travel times for patients to see a provider
• 📉 Community-level economic downturn

Let’s be clear: Medicaid is not just a safety net — it’s a stabilizer for local health systems and economies.

❌ The “Fraud” Argument Doesn’t Justify Harm

Opponents of Medicaid expansion often cite “fraud and waste.” But as Governor Beshear noted:

“If you’re worried about fraud, fund the units that investigate it — don’t punish the people who rely on care.”

At XactInsure, we support program integrity. But we reject policies that intentionally complicate enrollment and discourage eligible families from getting coverage. More paperwork doesn’t mean more protection — it means more people falling through the cracks.

💬 Our Values: Health Equity, Not Barriers

This bill would impose stricter eligibility checks, shorter renewal windows, and bureaucratic hoops that result in families missing out on care — through no fault of their own.

We’ve seen it firsthand. Clients:

• 🧾 Miss renewal notices
• 📬 Lose mail during moves
• 🤖 Get confused by digital-only processes

Instead of removing barriers, this bill adds them — and hurts real people. That’s not reform. That’s retreat.

🤝 What Should Be Done Instead?

We believe in working together to:

• ✅ Fund Medicaid fairly
• ✅ Modernize enrollment systems (not complicate them)
• ✅ Protect access for rural, aging, and low-income populations

And yes — if fraud is a concern, let’s strengthen oversight. But don’t do it at the cost of Grandma’s prescriptions or a child’s pediatrician visit.

🗳️ Why This Matters Now

While Republicans control the House, Senate, and White House, public pressure can still shape outcomes. We encourage you to speak up — not just at the ballot box, but today.

“This is going to cost Republicans not just in swing districts, but in many others too… People know what’s at stake.” — Gov. Andy Beshear

📞 XactInsure: Your Advocate for Affordable, Accessible Coverage

Whether you’re on Medicaid, ACA, or private insurance, XactInsure is here to help you:

• Compare affordable coverage plans
• Understand subsidy options
• Stay informed on healthcare policy changes

We won’t stop fighting for a system where everyone can get covered — and keep their coverage without jumping through hoops.

📲 Visit XactInsure.net or call 239-341-9545 today to speak with a licensed expert.

XactInsure. Your Health, Protected. With a Smile.