“You never change things by fighting the existing reality. To change something, build a new model that makes the existing model obsolete. –R. Buckminster Fuller

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How Expanded Obamacare Made Premiums Spiral, Americans Dependent

ZeroHedge, Jan 16, 2026 – Authored by Lawrence Wilson and Sylvia Xu via The Epoch Times,

Excerpts:

Congress responded to the COVID-19 pandemic by passing the American Rescue Plan Act in early 2021. This $1.9 trillion spending bill was intended to provide relief and spark an economic recovery.

Among other provisions, the law expanded the availability of government-subsidized health care through the Obamacare Marketplace to help low- to middle-income people maintain health coverage until the economy normalized.

The measure brought millions of middle-class Americans into Obamacare, but had the unintended consequence of making many of them dependent on government aid.

The law also introduced temporary, enhanced subsidies, which raised Obamacare premiums, some observers say.

Though the enhanced subsidies expired on Dec. 31, 2025, Congress continues to debate their possible reinstatement.

…………………

During the pandemic, Congress created subsidies that had no income cap. These enhanced subsidies also lowered enrollees’ affordability cap—the maximum amount a customer would pay out of pocket for a monthly premium.

Under the enhanced subsidies, introduced in 2021, no enrollee would spend more than 8.5 percent of their monthly income on premiums. Some would pay no more than 6 percent, others 4 percent or 2 percent, and some would pay nothing.

Enrollment boomed, jumping from 11.4 million to 14.5 million in two years. By 2025, enrollment had doubled from its pre-pandemic level, topping 24 million, according to data from health research organization KFF.

The enhanced subsidies were set to expire in 2022, allowing just enough time to get people back to work.

But when the pandemic ended, the enhanced subsidies remained.

Premiums Increased, Wages Didn’t – Health insurance premiums increased dramatically during Obamacare’s first five years. The average individual premium for a 40-year-old went up at least 75 percent, according to data reported by KFF.

Prices soared in commercial markets, too, where the cost of individual premiums rose about 120 percent from 2013 to 2019, according to The Heritage Foundation.

Obamacare prices leveled out before the pandemic hit and from 2020 to 2022, which includes the first two years of enhanced subsidies, prices dropped 5 percent, according to data reported by KFF.

But in 2022, the year the subsidies were set to end, inflation was on the rise, peaking at more than 9 percent by midyear, according to the Bureau of Labor Statistics.

Economists broadly agree that this was an unintended consequence of American Rescue Plan spending. The rising prices were “the product of easy fiscal and monetary policies, excess savings accumulated during the pandemic, and the reopening of locked-down economies,” Ben Bernanke, former chairman of the Federal Reserve, wrote in a co-authored assessment for Brookings.

Congress responded by spending even more money. The Inflation Reduction Act, passed in August 2022, would pump another $1.2 trillion into the economy within a decade, the Cato Institute estimated. That included a three-year extension of the enhanced subsidies.

Obamacare premiums shot back up, according to data reported by KFF, rising more than 13 percent in three years.

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“The [Affordable Care Act] subsidy structure is itself inflationary—driving up health care prices and total premiums,” said Mark Howell and Brian Blase of the think tank Paragon Health Institute. “As Congress considers the future of the COVID Credits . . . it must confront the reality that the [Affordable Care Act] made coverage far less affordable.”

That reality was largely hidden from many who received the enhanced subsidies because their out-of-pocket premium payments were capped based on income. Price hikes above that cap were paid by taxpayers, which meant the enhanced subsidies were now even more important for people with modest incomes.

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There has been no dispute among lawmakers that the enhanced subsidies have been a boon to consumers.

The average Obamacare premium for 2025 was $619 per month, of which subsidies covered more than $500. More than 10 million enrollees, 46 percent of those receiving aid, paid $10 or less per month out of pocket for premiums.

About 8 million paid $0, according to Brookings.

That’s exactly the problem, according to some analysts, because the possibility of enrolling large numbers of people who would never receive a bill created a ripe opportunity for fraud.

Many people were enrolled in the program without their knowledge by unscrupulous insurance brokers, Blase alleges, prompting the federal government to send a commission check to them—and premium payments to an insurance company.

These phantom enrollees are detected in part by their lack of activity once enrolled, Blase said.

“In 2024, nearly 12 million enrollees did not use their plan a single time—up from fewer than 4 million in 2021,” Blase told the House Judiciary Committee on Dec. 10.

Overall, 35 percent of all exchange enrollees never used their plan, and 40 percent of fully subsidized enrollees did not have a single claim, which Blase said is double the rate in both the commercial market and pre-pandemic Obamacare.

America’s Health Insurance Providers, the trade association for health insurance companies, disputed that claim.

“A ‘no-claims’ year is evidence that a consumer stayed healthy or only had a few months of coverage—not that taxpayer money was misdirected or that their policy was illegitimate,” the group said in an Aug. 18 statement.

Yet in December 2025, the Government Accountability Office provided evidence of enrollment fraud in Obamacare that suggests fake accounts are being created.

Investigators were able to enroll 20 nonexistent identities in Obamacare in 2024 by using Social Security numbers that had never been issued to any person and other easily created counterfeit documents.

Of the 20 false enrollments, 18 were still active in September 2025, costing taxpayers more than $10,000 per month.

Investigators also found 26,000 accounts that received subsidies in 2023 based on Social Security numbers that matched records in the Social Security Administration’s death file.

More than 7,000 Social Security numbers belonged to people who were reported dead before enrolling in Obamacare, and 19,000 Social Security numbers matched death data by number but not name and address, indicating that false identities may have been created for enrollment.

Taxpayers paid more than $94 million in subsidies for one year based on those numbers.

Another indication of fraud is the number of states where enrollment in Obamacare plans with a $0 premium is unreasonably high compared to the number with a qualifying income.

Twenty-four states have more Obamacare enrollees claiming incomes between 100 percent and 150 percent of the federal poverty level than there are people living in the state with that income, according to data from the U.S. Census Bureau.

The problem appears worse in states that have not adopted expanded Medicaid, which would have increased Medicaid eligibility to 138 percent of the federal poverty level.

Obamacare customers are automatically re-enrolled each year, so a fictitious account would continue to generate fraudulent commissions and wasteful insurance payments until detected.

Fraudulent enrollment costs up to $20 billion per year, according to Paragon Health Institute.

Making Health Care Affordable – The enhanced subsidies expired on Dec. 31, 2025. Congressional Republicans and Democrats continue to agree that the U.S. health care system has become unaffordable and want to address the problem. They differ in approach.

Democrats generally favor government intervention in the system, as in the case of Obamacare, where taxpayers pitch in to cover rising costs.

The Senate in December 2025 rejected a proposal to make the enhanced subsidies permanent. House Minority Leader Hakeem Jeffries (D-N.Y.) said at a press conference on Jan. 5 that his party continues to seek an extension of the subsidies “to protect the health care of tens of millions of … everyday Americans, middle-class Americans and working class Americans.”

Without the subsidies, Jeffries said, some consumers would face cost increases of up to $2,000 or more per month.

Republicans generally favor using the power of government to create marketplace competition. Senate Republicans recently presented a plan to provide dedicated funds directly to consumers, which they could use to shop for health care. That plan, too, was rejected by the Senate.

Sen. John Thune (R-S.D.), the Senate majority leader, addressed the differing philosophies in a Dec. 16, 2025, press conference.

“If [Democrats are] willing to accept changes that actually would put more power and control and resources in the hands of the American people, and less of that in the pockets of the insurance companies, I think there’s a path forward,” he said.

President Donald Trump has said he would veto any extension of Obamacare subsidies that came to his desk.

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To Sen. John Thune:
Main Street America Republicans have the plan that “would [indeed] put more power and control and resources in the hands of the American people, and less in the pockets of the insurance companies.”

It is a plan that will overwhelmingly win over the hearts and minds of U.S. citizen voters, and get America back on track as a world economic leader.

The Leviticus 25 Plan will reestablish a strong, market-based, citizen-centered health care system in America.

•    Medicare Part D Prescription Drug Benefit – A Dynamic New Funding Model: The Leviticus 25 Plan.

•    Pharmacy Closures – PBM Market Power Abuse. Problem Solved: The Leviticus 25 Plan

•    World Class Health Care Solved: The Leviticus 25 Plan

•    A Look Back: ObamaCare Administrative costs “shocking” – The Hill

•    WSJ: “Give Medicaid Dollars Directly to Patients.” There is a much better plan: The U.S. Health Care Freedom Plan

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The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (44153 downloads )

The Leviticus 25 Plan is a clean and powerful, economically viable, and politically feasible master plan to dramatically reduce government handout programs – and end the billions of dollars lost to fraud, waste, and inefficiency each year in the U.S..

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Peter G. Peterson Foundation Report
Apr 17, 2026
About $121 billion, or 75 percent, of the improper payments in 2024 came from the following five programs. Each program has been or currently is on GAO’s High Risk List, meaning the capacity for fraud and waste within the program had been identified prior to the recent report.

1. Medicare: $54 billion
2. Medicaid: $31 billion
3. Earned Income Tax Credit (EITC): $16 billion
4. Supplemental Nutrition Assistance Program: $11 billion
5. Restaurant Revitalization Fund: $9 billion

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Treasury Secretary Scott Bessent reveals up to 10% of US budget stolen each year
By Ryan King
NY Post – Published Jan. 12, 2026
Excerpt:
WASHINGTON — Hundreds of billions of taxpayer dollars are being squandered on waste, fraud, and abuse each year, Treasury Secretary Scott Bessent shockingly claimed in a interview.
Somewhere between 5-10% of the total federal budget gets gobbled up by wrongdoers each year get gets gobbled up by wrongdoers each year, Bessent said, citing data from the Government Accountability Office (GAO).

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SBA Investigating $1.2 Trillion On Payments As Part Of Fraud Probe: Loeffler
ZeroHedge, Jan 13, 2026 – Authored by Travis Gilmore and Jen Jekielek via The Epoch Times,
Excerpt:
Federal officials are reviewing approximately $1.2 trillion in payouts to root out fraudsters, according to Kelly Loeffler, administrator of the Small Business Administration (SBA).
“Federal contracting and the fraud that happens within it in Washington, D.C., around these programs are probably the worst kept secret in Washington,” Loeffler said ….

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WSJ Letters: Get to the bottom of what went wrong with pandemic unemployment benefits before it happens again.
Dec. 19, 2022 – Excerpt:
Regarding Rep. James Comer’s op-ed “Get Ready for Republican Oversight” (Dec. 12): When it comes to pandemic-relief fraud, there is no time to waste. Pandemic unemployment benefits were hardest hit, with estimates of fraud and abuse as high as $400 billion—the equivalent of a decade and a half of regular unemployment benefit payments. Criminal gangs, including some based in Russia and China, used stolen identities to seize U.S. tax dollars on an industrial scale.

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The Leviticus 25 Plan will restore financial health for millions of U.S. citizen families and thereby eliminate the dependency of vast numbers of people on the myriad of loosely regulated government programs.

The Leviticus 25 Plan will reduce government outlays and generate trillion of dollars in new tax revenue for federal, state, and local government entities.

This dynamic economic acceleration plan is loaded up and ready to launch.

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Think America Owes $37 Trillion? It’s Far Worse Than That

Misleading accounting hides the stunning scale of DC’s financial obligations

Brian McGlinchey, Stark Realities | Aug 01, 2025

Excerpts:

When asked how far the US government has plunged into the red, many fiscally-conscious Americans will tell you the national debt has reached $37 trillion. As distressing as that official number is, America’s true fiscal situation is even worse — far worse. According to a barely-publicized Treasury report, the actual grand total of Uncle Sam’s obligations is more than $151 trillion.

That huge discrepancy springs from the fact that the federal government doesn’t hold itself to the same accounting standards it imposes on businesses. Rather than using accrual accounting — which recognizes expenses when they’re incurred — our Washington overlords self-servingly use simple cash accounting, only recognizing expenses when they’re paid. As a result, discourse on federal obligations solely focuses on the national debt, comprising Treasury bills, notes and bonds.

Once a year, however, an obscure report delivers a more accurate version of Uncle Sam’s balance sheet. While it receives almost no attention from journalists or public officials, the Treasury Department is required to submit an annual report to Congress detailing the government’s financial condition. Critically, the 1994 law compelling this report mandates that it reflect “unfunded liabilities” — that is, commitments made without any dedicated assets or income streams to ensure they’ll be kept.

…..

One of the larger categories of those unfunded liabilities is future federal employee and veterans benefits. At the end of the 2024 fiscal year, this alone represented a $15 trillion obligation. However, by leaps and bounds, the largest unfunded liabilities spring from America’s social insurance obligations — primarily Social Security and Medicare. At fiscal-year end, these liabilities totaled a towering $105.8 trillion.

Stacking these and other unfunded liabilities on top of the publicly-held national debt and other obligations, you arrive at a grand total of $151.3 trillion at the end of the 2024 fiscal year. Offsetting that by an estimated $7.9 trillion in US government commercial assets — including property, plant, equipment and purported gold holdings — a Just Facts analysis puts Uncle Sam at an overall net-negative $143 trillion.

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Wrangling over the budget isn’t going to save us. Congressional debates tend to center on discretionary spending — outlays that require a vote by Congress during the appropriations process. However, America’s steady march to insolvency is driven by so-called mandatory spending, which is hardwired by previously-enacted laws.

In what may be the most ominous indication that the government is on an autopilot-course for catastrophe, the proportion of total federal outlays driven by mandatory spending has more than doubled since 1965 — from 34% to 73% in 2024. It was at 71% just two years earlier, in 2022.

The two largest examples of mandatory spending are Social Security and Medicare. Those old-age programs are now well within sight of a crisis that’s been warned about for a generation: According to the latest report from their program trustees, Social Security and Medicare trust funds are now just seven years from insolvency.

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There’s another key component of mandatory spending that isn’t counted in the national debt: interest payments on debt issued to cover past and current spending. “In total, social programs and interest on the national debt—which mainly stems from social programs—account for 75% of all federal spending,” notes Agresti.

Interest payments also represent a steadily growing share of total outlays, and will total almost $1 trillion this year. Within 10 years, they’re projected to reach $2 trillion, roughly equal to the entire 2025 deficit. Last year saw a grim milestone, as interest expense surpassed spending on both defense and Medicare.

Current projections have interest surpassing Social Security to become the largest single expenditure by 2042, but don’t be surprised if that milestone doesn’t come sooner. The government is already descending into a vicious cycle in which mounting US debt has the buyers of that debt demanding higher interest rates in compensation for the growing risk of inflation and/or default — with those higher rates creating larger interest payouts and even more debt.

Beyond mandatory-vs-discretionary, and funded-vs-unfunded, there’s an even more important but far-less-discussed classification of spending that goes to the very heart of America’s march toward financial disaster: constitutional vs unconstitutional. As I noted in the most-read article at Stark Realities, “Americans Are Fighting For Control Of Federal Powers That Shouldn’t Exist”:

Today’s sprawling federal government, which involves itself in almost every aspect of daily American life, is almost entirely unconstitutional.

To rattle off just a random fistful of the federal government’s unauthorized undertakings and entities — brace yourself — there is zero constitutional authority for the Social Security, Medicare, federal drug prohibitions, the Small Business Administration, crop subsidies, the Department of Labor, automotive fuel efficiency standards, climate regulations, the Federal Reserve, union regulation, housing subsidies, the Department of Agriculture, workplace regulations, the Department of Education, federal student loans, the Food and Drug Administration, food stamps, unemployment insurance or light bulb regulations. Even that sampling doesn’t begin to fully account for the scope of the unsanctioned activity.

This Pandora’s box of unconstitutional endeavors was opened wide by unconscionably expansive Supreme Court interpretations of the Constitution in the 1930s. It’s no coincidence that federal spending represented a mere 3% of GDP in 1930 but soared to an economy-warping 23% by 2024.

Now we find the federal government in a $143 trillion hole, a burden that comes out to $1,085,022 per US household. History suggests this will end with a government default. In the United States, that will likely occur not via an explicit repudiation of the debt, but through rampant price inflation as the Treasury and the Federal Reserve conspire to create new money out of thin air to make debt payments.

“They can’t pay the debt, so they have to liquidate the debt,” said former Congressman Ron Paul in a June conversation with David Lin. “They [won’t] default — they’re always going to pay something for the Treasury bills. What they’re going to do is liquidate the debt by paying it off with counterfeit money.”

While the Fed-Treasury money creation scheme has been with us for a long time, the alarming trajectory of federal debt and spending point to future money-printing on a scale that will trigger hyperinflation and economic collapse. At that point, Americans will stand at a crossroads. Desperation and fear will make them susceptible to the siren song of even more authoritarianism and unconstitutional, centralized command of the economy and society than what put them in such dire straits to begin with.

“People will want to be taken care of,” Paul said. “I see it as an opportunity. If people are promoting the cause of liberty and there’s chaos in the streets, we better get out there and lead the charge and say you don’t need more of what caused this. You don’t need more authoritarianism. What you need is more liberty and more peace, and that means you ought to obey the Constitution.”

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Mr. Ron Paul, meet The Leviticus 25 Plan:
1) Preserve the cause of liberty and economic freedom for all Americans;
2) Restore financial security to millions of America’s hard-working, tax-paying U.S. citizen families;
3) Reverse big-government “centralized command of the economy and society”;
4) Eliminate massive amounts of entitlement program outlays;
5) Restore citizen-centered health care in America;
6) Generate $37.303 billion federal budget surpluses each of it first five years of activation (2027-2031);
7) Eliminate the looming threat of credit market disorder and banking system instability.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (44822 downloads )

U.S. Senate Committee on Homeland Security & Governmental Affairs – December 2025

Excerpts:

Executive Summary

On July 15th, 2025, Chairman Rand Paul of the U.S. Senate Committee on Homeland Security and Governmental Affairs (HSGAC) launched an investigation on the Federal Reserve’s use of Interest on Reserve Balances (IORB). After months of correspondence, the Federal Reserve Board of Governors produced over 40,000 pages of documents detailing IORB payments for every two-week period from July 2013 through July 2025.

July 2013 through July 2025. This report outlines the following key findings from the contents of the data:

1. IORB payments equal 10 percent of the Federal Deficit:
   a. The magnitude of IORB payments equaled 10.3 percent ($187 billion) of the
   FY24 Federal deficit and 8.8 percent ($149 billion) of the FY23 deficit.
2. The Federal Reserve has used IORB payments to subsidize Wall Street’s largest banks:
   a. IORB payments account for 12 percent of all profits for the 5 largest American
   banks from 2013-2024.
   b. In 2024, IORB payments accounted for 16 percent of U.S. banking sector’s
   net interest income.
   c. The top 20 banks account for over half ($305 billion) of total payments with
   the remaining 4,500 banks accounting for the remaining half ($302 billion).
3. IORB payments are also subsidizing foreign banks:
   a. 11 of the top 20 recipients of IORB payments are foreign banks.
   b. From July 2013 – July 2025, $235 billion has been paid to foreign banks by
   the Fed through IORB payments (see figure 9).
   c. $10 billion of these payments were made to Chinese banks such as Bank of
   China, China Construction Bank, Industrial and Commercial Bank of China,
   and Bank of Communication…..

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IORB Rates Rise

Prior to 2021, IORB rates peaked at 2.4 percent, however in the inflationary period after the COVID stimulus in 2021, the Fed began to raise rates in an attempt to rein in inflation. The Fed raised IORB rates to a high of 5.4 percent in July 2023 (see figure 2).

The Fed’s increased IORB rates incentivized eligible domestic and foreign banks to place reserves at the Fed instead of lending out these funds, buying treasury bills, or other financial activities effectively setting a floor on interest rates. IORB payments from the fed ballooned from an average of $17 billion prior to the pandemic to over $100 billion in each of the last two fiscal years (See figure 3).

IORB Payments as Corporate Welfare

Introduction – IORB payments, as currently structured, take the Fed’s operating profits that could be used to pay down the deficit and pay these funds out to the world’s largest banks. Since 2013, the Fed has paid $607 billion in identified payments to both foreign and domestic financial institutions to keep their reserves idle and interest rates artificially high. This costly means of conducting monetary policy has prevented the Fed from remitting profits to Treasury to pay down the Federal deficit and instead directed these funds into Wall Street’s profit margins.

Characteristics of IORB Payment Recipients

Analysis of these payments shows that large banks are the primary beneficiary of this reallocation of taxpayer funds. The allocation of IORB payments is disproportionately skewed to large financial institutions. The top 20 bank recipients (see Figure 6) received approximately the same amount of IORB payments from 2020-2025 ($305 billion) as the next 4,500 banks received ($302 billion).

IORB Payments as a Driver of Bank Profits

The five largest banks in the U.S. by consolidated assets: JP Morgan Chase, Bank of America, Citibank, Wells Fargo, and U.S. Bank received $136 billion in IORB payments from 2013 to 2024, with 2024 payments alone amounting to $43.9 billion. In 2024, taxpayer-financed IORB payments were a considerable driver for profitability for these banks accounting for 16.5 percent of net interest income for the U.S.’s 5 largest banks in 2024. Looking at the entirety of the banking sector, IORB payments accounted for 16.1 percent of all net interest income of U.S. banks in 2024.

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Share of Foreign and Domestic Payments

While the proportion of IORB payments to foreign banks has decreased slightly since 2013, the gross amount in payments sent to foreign banks continues to grow substantially each year as the Fed has increased IORB rates. In 2019, prior to the pandemic, $13 billion in IORB payments were paid to foreign banks. Since 2022, however, the Fed has paid an average of $50 billion in IORB payments to foreign institutions and this number continues to grow.

As IORB rates drastically increased in late 2021 and 2022, not only did domestic banks rush to park capital at the Fed, but foreign banks also seemed to inject dormant capital from their international banks into their U.S. subsidiary to take advantage of the more generous risk-free interest offered for excess reserves. The share of IORB payments jumped from 28.5 percent foreign banks (the lowest since 2013) to nearly 40 percent of payments….

Many of the world’s largest banks have been the largest beneficiaries of IORB payments. Of top 10 recipients of IORB payments from July 2013 to July 2025, 4 are foreign banks (bolded), and 11 of the top 20 are foreign banks…:

IORB Payments as a Foreign Bank Subsidy

In 2024, while 16.1 percent of the U.S.’s banking sector’s net interest income comes at the expense of the taxpayer through IORB, 5 percent of all the participating foreign banks net interest income comes from the U.S. taxpayer. Figure 11 shows the top 10 benefitting nations and the percentage of bank profits  is subsidized by the U.S. taxpayer.

“Bank profit subsidy” reflects the percent of participating depository institution’s net interest income that is attributable to IORB payments from the Fed. Notably,

the American taxpayer has financed over 50 percent of Bahrain’s bank profits, 47 percent of Norway’s bank profits, and 22 percent of Japan’s bank profits…

Conclusion: Hundreds of billions of dollars for the taxpayer have been sent to foreign banks, hundreds of billions of dollars for the taxpayer have padded Wall Street’s profit margin, all without a single election, public debate, or independent audit. This is the first step in what should be a continued effort to audit the Federal Reserve.

Full report: https://www.tristatehomepage.com/wp-content/uploads/sites/92/2025/12/2025.12.08_IORB-Report-VFINAL.pdf

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Again: “This costly means of conducting monetary policy has prevented the Fed from remitting profits to Treasury to pay down the Federal deficit and instead directed these funds into Wall Street’s profit margins.”

Federal budget deficits are skyrocketing as major Wall Street and foreign banks are being subsidized with hundreds of billions of dollars in Fed IORB payments.

Main Street America is paying a steep price for this ongoing kleptocratic snow job. The country is wallowing in debt… while the Fed is doling out hundreds of billions of dollars to pump up the profit margins of Wall Street’s largest banks and major foreign banks.

Main Street America Republicans have the plan to re-target Fed liquidity flows to pass through the hands of tax-paying U.S. citizens first, and then into the banking system (through Household debt service / elimination), and into America’s small business sector, and into savings and investing vehicles.

The Leviticus 25 Plan will generate federal budget surpluses of $37.303 billion each of its first five years of activation (2027-2031) and pay for itself entirely over the succeeding 10-15 years.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (43426 downloads )

Swirling winds are again picking up in the Washington budget battle.
Main Street America Republicans hold the winning hand with a dynamic, debt-busting powerhouse economic plan to solve America’s ongoing budget crisis – and win the hearts and votes of millions of America’s hard-working, tax-paying U.S. citizens.

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House To Vote On Partial Funding Package To Avoid Another Shutdown
Offthepress.com | January 8, 2026

The House is set to vote Thursday on bipartisan legislation to fund several federal agencies and programs as lawmakers work to avert the threat of another government shutdown later this month.

The vote, set for Thursday afternoon, comes after House and Senate negotiators released the text of the three-bill package, known as a “minibus,” on Monday. The package includes funding through September for science initiatives and the Departments of Commerce and Justice; energy and water development; and the Department of Interior and the EPA.

Congress has until Jan. 30 to fund major parts of the government, after lawmakers approved a short-term funding measure to end the longest government shutdown in history in November. At the time, lawmakers passed a three-bill package that funded part of the government through September, while extending funding for the remaining nine appropriations bills on a temporary basis.

But the remaining funding effort has not been without hurdles, and the latest funding package will be split in two after a conservative rebellion threatened to stall the legislation.

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9 GOP House Members Join Dems To Advance Obamacare Subsidy Vote
Jan 7, 2026 | JusttheNews.com

Nine House Republicans joined with House Democrats Wednesday evening to advance a vote on a Democratic healthcare bill that extends Obamacare subsidies that expired at the end of last year. 

The vote is considered a major setback for Speaker Mike Johnson, R-La., who has been arguing that a majority of House Republicans opposed extending the subsidies, according to Fox News. 

The vote on Wednesday was to advance House Minority Leader Hakeem Jeffries discharge petition, a mechanism for moving legislation to the floor of the House even if the leadership of the majority party opposes it. 

The four who had signed onto the discharge petition were Mike Lawler, R-N.Y.; Brian Fitzpatrick, R-Pa.; Rob Bresnahan, R-Pa.; and Ryan Mackenzie, R-Pa. The other five who joined with them to move the legislation to the floor are Reps. Nick LaLota, R-N.Y.; Maria Salazar, R-Fla., David Valadao, R-Calif., Max Miller, R-Ohio, and Tom Kean Jr., R-N.J.

While the bill is now certain to pass in the House on Thursday, it is considered almost certain to fail in the Republican-controlled Senate.

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Treasury Moves To Roll Out Trump’s Car Loan Interest Tax Break 
View Source | January 7, 2026

The Treasury Department is implementing President Donald Trump’s No Tax on Car Loan Interest policy, a measure designed to lower costs for American families, Treasury Secretary Scott Bessent said Wednesday.

The policy, enacted as part of Trump’s “big, beautiful bill,” allows eligible taxpayers to deduct up to $10,000 a year in car loan interest on new, U.S.-assembled vehicles purchased between 2025 and 2028.

“Treasury is implementing President Trump’s No Tax on American Car Loan Interest, putting money back in the pockets of working and middle-class families,” Bessent wrote on X.

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The Leviticus 25 Plan is loaded up and ready to launch.

This Main Street America Republican powerhouse economic plan will:
• Generate a $37.303 billion budget surpluse each of its first five years of activation (2027-2031).
• Overwhelmingly reduce dependence on government-based entitlement programs.
• Restore citizen-centered, consumer-driven health care.
• Cleanly and efficiently eliminate massive amounts of private sector debt
(mortgage debt, consumer debt, student loan debt, auto loan debt).
• Revitalize real long-term economic growth and prosperity in the U.S..

Those Americans who wish to keep their ObamaCare subsidies may keep them.
All other qualifying U.S. citizens, across all income levels, who wish to participate in
The Leviticus 25 plan will enjoy health care access and benefits which far exceed the quality and access extended under ObamaCare plans.

Note – If Washington Republicans would hold up this plan and say, “We need to move in this direction,” the budget battle would be over in a matter of seconds. And they would win over the hearts and minds, and votes, of the vast majority of working-class Americans (white, black, Hispanic, Asian, Native American, Middle Eastern) for years to come.

They would de-stress the entire U.S. economic system and get America back on track.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (42594 downloads )

There is a comprehensive economic acceleration plan with all of the raw power needed to resolve this debt-driven calamity. Stay tuned…

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The Maths of a Debt Trap

By Alasdair Macleod, January 5, 2026 | Von Greyerz AG

Excerpt:

This millennium is different from the post-war years

…The next table replicates the first table in this article, but for the 25 years of this current millennium.

Here, we can see that gross debt has been rising nearly three times faster than GDP, and even more so measured in the federal government revenues which are behind the sustainability of the debt. With the increase in revenue badly lagging the debt increase, the US Treasury is in a classic debt trap, a condition which has been accelerating, particularly since the pandemic of 2020. It is a fact which is increasingly recognized by foreign central bankers who are getting out of dollars and into gold.

The second element of the debt trap – soaring interest rates

So far, we have seen that in the first 25 years of this new century, the increase in tax revenue has failed lamentably to keep pace with the increasing growth of debt. For the US Government, this has not mattered too much while the Fed was able to suppress interest rates even to the zero bound and therefore contain the compounding cost of funding. Additionally, with the dollar being everyone’s reserve currency, foreign buyers were always demanding them and investing in the regulatory “risk-free” status of US Treasury debt. It is this combination which has extended the dollar’s life as a fiat currency, pushing it even further into a debt trap waiting to be sprung by higher interest rates.

Interest rate suppression is less evident today, at least not to the degree of recent years. The sharp rise in interest rates and bond yields between 2021—2023 have only partially been corrected in the belief that inflation has receded as a problem. This is an error, because the inflationary consequences of a $2+ trillion budget deficit and a decline in the personal savings rate will continue to feed into a falling purchasing power for the currency. And geopolitical factors encourage members of the Shanghai Cooperation Organization and BRICS, representing a large majority of the world’s population, to reduce their dollar exposure as well.

Both these factors are feeding into an inevitable funding crisis for the US Government, as foreign buyers of US Treasury debt stay away, and in some cases are actually selling. And instead of interest rates and bond yields being under the control of the Fed, they will be exposed to the brutal consequences of falling market demand. A buyers’ strike by foreign investors at the margin is already forcing the US Treasury to fund itself in short-term T-bills, with auctions for longer maturities being generally avoided. Increasingly, the $38.6 trillion debt mountain sees longer maturities being replaced by T-bills as well. The whole maturity structure of US Treasury debt is changing, and it is not for the good.

The yield curve has begun to price in maturity risk, with the 30-year long bond yielding 68 basis points more than the 10-year note, and 127 bp more than the 6-month T-bill. But there is a further problem: in a debt trap, the higher the funding cost, the less attractive an investment proposition becomes, because the compounding pace at which the debt rises accelerates.

The consequences for the credit bubble

For every debt, there is a credit and in recent years significant quantities of this credit, has found its way into financial instruments, particularly equities. As the interest cost on this debt increases, the credit side of the bubble will burst. Today, the disparity between the returns on long maturity bonds and equities is at an all-time record, illustrated by the chart below:

It is worth taking time to study this chart closely. Not only is the excessive value of the S&P over the long bond greater than it has ever been, but it shows signs of going higher due to rising bond yields. This will only be resolved by an equity crash to rival or even exceed anything seen in history.

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America is at an historic crossroad. Present a plan to solve this impending crisis, or face the consequences.

The Leviticus 25 Plan the only politically feasible, economically viable economic plan anywhere with the raw power to get America back on track.

The Leviticus 25 Plan will achieve:
• Massive public and private debt elimination
• Robust liquidity for U.S. credit markets
• Powerful, free market-driven economic growth
• Long-term stability for the U.S. Dollar
• Financial security and economic liberty for millions of American families

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

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The KBW Index – large national money center banks have been faring very well, in what is otherwise a burdensome and stifling economic climate for businesses, working-class citizens, states, and student loan borrowers.

The KBW Index includes 24 banking stocks representing the large U.S. national money centers, regional banks and thrift institutions. The largest banks in the Index include:
JP Morgan Chase & Co.
Bank of America Corporation.
Wells Fargo & Company.
Morgan Stanley.
Goldman Sachs Group, Inc. ( The)
Citigroup
Capital One Financial Corporation.
U.S. Bancorp.

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Meanwhile across America: Businesses, working-class citizens, states, and student loan borrowers are not faring well…

Bankruptcies are exploding across the economy, hitting small businesses and households. Few industries are immune. – Business Insider

By Natalie Musumeci | Dec 27, 2025

• From corporate giants to mom-and-pop shops, bankruptcies are piling up across the US this year.
• Large corporate bankruptcies have hit their highest level in 15 years.
• “Bankruptcies seem to be kind of all over the place,” one veteran bankruptcy attorney said.

Bankruptcies aren’t just rising — they’re suddenly everywhere.

From billion-dollar giants to mom-and-pop shops to everyday individuals, bankruptcies are piling up across the US this year, with large corporate bankruptcies already hitting their highest level in 15 years.

The surge in bankruptcies highlights the growing financial pressures facing consumers and companies as costs climb amid a tougher borrowing environment….

Personal bankruptcies – In addition to big and small businesses, individual bankruptcies have also increased amid rising costs. Individual bankruptcy filings saw an 8% jump to 40,973 in November 2025, up from the 37,814 filings in November 2024, the data cited by ABI shows.

Full article: https://www.businessinsider.com/bankruptcies-across-economy-small-business-households-corporate-2025-12

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Credit Card Interest Rates

Federal Reserve’s latest consumer credit report (G.19): “Despite the 1.50% in rate cuts since last September, we can now confirm that rates on credit cards have gone… higher, as banks continue to bleed US consumers dry: at the start of 2025 the average rate on credit card accounts was 22.80%… and on Sept 30 the number was higher at 22.83%, just barely below the all time high of 23.37% set one year ago” (ZeroHedge).

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States’ Recession Risk

23 US States Are At High Risk Of (Or In) Recession Currently

ZeroHedge, Dec 22, 2025 – Excerpt:

In 2025, states responsible for about a third of U.S. GDP are in recession, or face high recession risk. Another third are expanding, including Florida and Utah, based on payrolls, employment, and other key economic data.

This graphic, via Visual Capitalist’s Dorothy Neufeld, shows recession risk by state in 2025, based on analysis from Mark Zandi, chief economist at Moody’s Analytics.

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Student Loan Stress

Education Department Has Rejected Over 300,000 Requests For Lower Student Loan Repayments

ZeroHedge, Dec 28, 2025 – Authored by Aaron Gifford via The Epoch Times, – Excerpt:

The U.S. Department of Education has so far denied requests from more than 300,000 existing student loan recipients seeking new repayment terms, according to documents filed in a federal court earlier this month.

The total debt carried by 43 million student loan borrowers currently totals about $1.62 trillion.

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On the Edge of a “Default Cliff”: New Survey Shows Student Loan Borrowers Are Struggling to Keep Up – Institute for College Access & Success

By Michelle Zampini, Dec 6, 2025 – Excerpt:

Beyond affordability, borrowers report mixed experience with servicers: more than half (61%) of borrowers report having communicated with their servicer to resolve an issue with their account; of those borrowers, three-quarters (75%) said they were able to work with their servicer to resolve the issue. However, nearly half of those borrowers (48%) reported facing long wait times to access help, one quarter (24%) said their servicer provided them with inaccurate information, and one in ten borrowers (11%) believe the balance shown on their account is incorrect.

These findings align with the limited data that ED has released so far this year. At the start of the pandemic pause in March 2020, 8.6 million borrowers were in default. While a portion of those borrowers resolved their default during the pause—either through the “Fresh Start” program or via having their debt discharged—new ED data released in November show that as of October 2025, more than 5.5 million borrowers with over $140 billion in outstanding federal student loans were in default.² In addition, 1.17 million borrowers were 30-89 days delinquent, 1.56 million were 90-269 days delinquent, and 3.68 million were 270+ days delinquent.

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The Leviticus 25 Plan impartially grants U.S. citizens the same direct liquidity extensions that were provided to major U.S. and foreign banking concerns during the economic credit crisis of 2008-2010 and the Covid crisis of 2021-2022.

The Leviticus 25 Plan will cleanly and evenly eliminate massive amounts of public and private debt (mortgage debt, consumer debt, student loan debt). It will dramatically and powerfully restore financial security for millions of American families and small businesses.

Large money center banks, rather than receiving ‘hand-out’ liquidity flows direct from the Federal Reserve, will receive massive liquidity infusions that flow from the Fed direct to U.S. citizens, and then on into the banking system through opportunistic debt-elimination.

Excess cash reserves may then be directed by banks into the Treasury market to competitively lower interest rates.

The Leviticus 25 Plan is the most comprehensive, powerful economic acceleration plan anywhere on the planet.

The Leviticus 25 Plan is a dynamic economic initiative providing direct liquidity benefits for American families, while at the same time scaling back the role of government in managing and controlling the affairs of citizens.  It is a comprehensive plan with long-term economic and social benefits for citizens and government.

The inspiration for this plan is based upon Biblical principles set forth in the Book of Leviticus, principles tendering direct economic liberties to the people.

The Leviticus 25 Plan – An Economic Acceleration Plan for America

$95,000 per U.S. citizen – Leviticus 25 Plan 2026 (42435 downloads )