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The IRS rolled out new rules Wednesday to help people who have chronic diseases, but are also on the hook for thousands of dollars of their medical bills.

How it works: The new rules allow insurers to cover treatment for chronic conditions, like diabetes and high blood pressure, before patients have met their deductibles.

  • This only applies to high-deductible plans that also offer a health savings account — which is an increasingly common arrangement.

My thought bubble: High-deductible plans and chronic disease are both pretty ubiquitous, and this will surely help sick people get the care they need.

  • As the Wall Street Journal notes, there's a broad base of support for these new rules, including patients, insurers and policymakers from both parties.

But it's hard to look at this change without asking some more fundamental questions about the rise of deductibles.

  • After all, making people pay for more of their own care is the whole point. High-deductible plans were designed to give people more "skin in the game."
  • It only stands to reason that when you require people to pay a couple thousand dollars of their own bills before insurance kicks in, that's primarily going to affect people who have a couple thousand dollars in health care bills.

Deductibles are a large and growing source of frustration for middle-class families, the L.A. Times' Noam Levey writes.

  • Neither high deductibles nor health savings accounts have put a dent in health care prices, as their advocates thought they would.
  • And families with the highest deductibles are among the least satisfied with their employer coverage.

Go deeper: Workers' health care costs just keep rising

Go deeper

18 mins ago - Politics & Policy

McConnell drops filibuster demand, paving way for power-sharing deal

Senate Majority Leader Chuck Schumer (R) and Minority Leader Mitch McConnell attend a joint session of Congress. Photo: Olivier Douliery/AFP via Getty Images

Senate Minority Leader Mitch McConnell has abandoned his demand that Democrats state, in writing, that they would not abandon the legislative filibuster.

Between the lines: McConnell was never going to agree to a 50-50 power sharing deal without putting up a fight over keeping the 60-vote threshold. But the minority leader ultimately caved after it became clear that delaying the organizing resolution was no longer feasible.

Scoop: Google won't donate to members of Congress who voted against election results

Sen. Ted Cruz led the group of Republicans who opposed certifying the results. Photo: Stefani Reynolds/Pool/AFP via Getty Images

Google will not make contributions from its political action committee this cycle to any member of Congress who voted against certifying the results of the presidential election, following the deadly Capitol riot.

Why it matters: Several major businesses paused or pulled political donations following the events of Jan. 6, when pro-Trump rioters, riled up by former President Trump, stormed the Capitol on the day it was to certify the election results.

2 hours ago - Politics & Policy

Minority Mitch still setting Senate agenda

Illustration: Aïda Amer/Axios

Chuck Schumer may be majority leader, yet in many ways, Mitch McConnell is still running the Senate show — and his counterpart is about done with it.

Why it matters: McConnell rolled over Democrats unapologetically, and kept tight control over his fellow Republicans, while in the majority. But he's showing equal skill as minority leader, using political jiujitsu to convert a perceived weakness into strength.