"There are many aspects of the health care debate that are complex – the president himself recently complained that “nobody” knew how “complicated” this is – but this aspect is relatively straightforward. When private insurers don’t know about the fate of existing federal subsidies, they need to protect themselves against potential future losses imposed by Republicans. It’s Business 101. And so, by playing games, Trump and his GOP allies are effectively forcing insurance companies to start charging consumers more today because they don’t know what the White House and Congress will do tomorrow. The president, in other words, is imposing a political surcharge on the cost of middle-class health coverage for no reason. That may sound insane, and it’s the kind of problem that’s easily avoided, but Team Trump believes this is the smart course of action."