The Senate failed to pass the Republican-led health care bill as the deadline to extend Obamacare subsidies fast approaches.

The Health Care Freedom for Patients Act failed to pass in a 51-48 vote after one Republican, Sen. Rand Paul of Kentucky, joined 47 Democrats to vote against it. 51 Republicans voted in favor of the legislation, but the bill ultimately failed due to the 60-vote threshold. Notably, Republican Sen. Steve Daines of Montana was not present for the vote.

The bill would also foster competition and broaden health care.

Certain subsidies from former President Barack Obama's landmark health care bill, known as the Affordable Care Act, are set to expire at the end of the year. Notably, these ACA subsidies are the reason Senate Democrats decided to shut down the government in October.

Despite facilitating the longest government shutdown in history, Senate Democrats have not struck a deal with Republicans to address health care.

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The Health Care Freedom for Patients Act, authored by Republican Sens. Bill Cassidy of Louisiana and Mike Crapo of Idaho, would have allowed these Obamacare subsidies to lapse, instead directing funds to individual health savings accounts.

While this bill ultimately failed, other Republican lawmakers have drafted their own legislation to address the impending problem.

Republican Sen. Rick Scott of Florida introduced the More Affordable Care Act, which would also redirect federal subsidies to HSA-style accounts called Trump Health Freedom Accounts. The bill would additionally foster competition and broaden health care options for states by establishing the Health Freedom Waiver Program.

Photo by Nathan Posner/Anadolu via Getty Images

The companion bill to Scott's legislation was also introduced in the House by Republican Study Committee Chairman August Pfluger. At this time, no vote has been scheduled on the bill in either the House or the Senate.

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Republicans race to pass competing health care bill as clock ticks on Obamacare subsidies

With the deadline to extend Obamacare subsidies fast approaching, Republican lawmakers are leading the charge.

Former President Barack Obama's Affordable Care Act has been the focal point of health care discussions on Capitol Hill as ACA subsidies are expected to expire at the end of the year. These are the same subsidies Senate Democrats cited as the basis of their record-breaking shutdown.

The Republicans' legislation blocks funds for 'gender transition procedures' and abortions.

In response, several Republicans introduced their own legislation, including the Health Care Freedom for Patients Act penned by Sens. Bill Cassidy of Louisiana and Mike Crapo of Idaho.

With just weeks until these subsidies lapse, Senate Majority Leader John Thune (S.D.) will hold a vote on that key legislation on Thursday.

Photo by Kevin Dietsch/Getty Images

The Crapo-Cassidy bill would allow the Obama-era subsidies to lapse, instead boosting funds for health savings accounts. Eligible adults under the age of 50 would receive $1,000 deposited into their HSA while those between the ages 50 and 64 would get $1,500.

It would also fund cost-sharing reduction payments and provide eligible Americans the option to purchase "bronze" or "catastrophic" health care plans. Notably the Republicans' legislation blocks funds for "gender transition procedures" and abortions.

Although Republicans are expected to vote for the legislation, it is unlikely to pass due to the 60-vote filibuster threshold. Assuming all 53 Republicans vote in favor of the bill, at least seven Democrats would have to cross the aisle for the legislation to pass the Senate.

Tom Williams/CQ-Roll Call, Inc via Getty Images

Other Republicans, like Sen. Rick Scott of Florida, are also introducing alternative health care bills. Scott introduced his More Affordable Care Act alongside Republican Study Committee Chairman August Pfluger (Texas), who spearheaded the companion bill in the House.

Scott and Pfluger's bill would create Trump Health Freedom Accounts, redirecting federal subsidies traditionally sent to insurance companies to these HSA-style accounts held by individual Americans. The bill would also establish a Health Freedom Waiver Program, allowing states to broaden their health plans and expand competition to offer fairer prices.

At this time, there is no vote scheduled for Scott's legislation.

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Liz Warren hustles Trump with a housing bill from hell

What is it about the National Defense Authorization Act that makes it a dumping ground for every dumb liberal pet project?

First the Trump administration pushed an AI data-center amnesty that would have stripped states of authority over massive, power-hungry facilities. Then lawmakers tried to slip in Sen. Elizabeth Warren’s housing bill, a package built to subsidize Section 8 tenants and builders and to fuel the very forces driving the current housing bubble. After a backlash, both provisions came out of the NDAA. Now congressional leaders plan to pass the Massachusetts Democrat’s housing bill on its own.

The real crisis comes from government debt and the inflation it fuels. This is not a shortage of lumber or land. It is a monetary chokehold created by government policy.

Earlier this year, Senate Banking Committee Chairman Tim Scott (R-S.C.) worked with Warren to move S. 2651, an omnibus housing package that expands every federal program Trump previously vowed to cut. They attached the legislation to the Senate’s NDAA, then lobbied House conservatives to adopt it in their version of the defense bill. At the last minute, House leaders stripped the language. The House Financial Services Committee now plans to mark up the bill next week.

Here’s the trouble: The bill misdiagnoses the housing crisis. It treats high prices as a supply shortage instead of a government-fueled asset bubble and inflationary pricing distortion.

The result is predictable. Its 40 provisions would expand Section 8, loan subsidies, “affordable housing” grants, and even looser mortgage programs for people priced out of the market. Every one of these items pours accelerant on the factors that drove the 2008 bubble and the post-COVID spike.

Government subsidies for overbuilding and for buyers who cannot afford homes created the crisis. Yet like a dog returning to its vomit, Scott, the president, and Senate Democrats are endorsing Warren’s 2020 campaign platform to revive the same model. The bill promises builders and activist groups federal cash in exchange for regulatory concessions. The trade-off is disastrous.

Section 202 creates a new federal grant program to fund local housing projects in designated zones — a warmed-over version of the community-engineering schemes Obama’s Department of Housing and Urban Development pushed a decade ago.

Meantime, Section 209 establishes a $200 million yearly fund at HUD to award “innovative housing reforms” to localities that reshape zoning to favor dense, subsidized units.

Conservatives would call these incentives an invitation to replicate failed urban policies in red suburbs. The bill rewards grifting nonprofits and community organizers who treat federal housing programs as political infrastructure.

At the same time, the administration is pushing rules that limit red-state zoning authority to clear the way for data-center construction while promoting Section 8 expansion with new incentives and zoning guidance. It revives, in effect, Obama’s Affirmatively Furthering Fair Housing regime — the same racial-gerrymandering tool Trump killed in his first term. Supporting the Scott-Warren bill would revive it in practice.

Worse, the bill rests on a false premise. America doesn’t have a housing shortage. According to Redfin, as of October sellers outnumbered buyers by 36.8% — about 529,000 more sellers — the largest gap since 2013. Census data shows about 148 million housing units for roughly 134 million households, a surplus of around 14 million units. When Trump took office, the vacancy count stood near 11 million, yet prices were far more affordable.

The real crisis comes from government debt and the inflation it fuels. Construction costs surged with inflation. Interest rates spiked to service that debt, creating an interest-rate cliff that locked millions of homeowners into sub-3% mortgages. They cannot sell without doubling their monthly costs. High rates froze the existing inventory in place. This is not a shortage of lumber or land. It is a monetary chokehold created by government policy.

Photo by Andrew Lichtenstein/Corbis via Getty Images

Federal housing policy adds another layer. Fannie Mae and Freddie Mac long prioritized “access to credit” over price stability. By guaranteeing high-risk loans and encouraging low down payments, they allow buyers to bid more than their incomes justify. Subsidized credit lifts prices for sellers, not buyers.

S. 2651 makes the problem worse by expanding the Community Development Block Grant and similar programs, encouraging activist groups and corporate developers to overbuild units no one can afford without subsidies. That process pushes prices upward and strengthens corporate buy-ups of suburban neighborhoods.

The administration previously acknowledged these distortions. In Trump’s FY 2021 budget, the Office of Management and Budget proposed eliminating CDBG and the HOME Investment Partnerships Program, arguing that states and localities were better positioned to address affordability challenges. This new bill reverses that logic entirely.

The Federal Reserve’s rate whiplash — a decade of near-zero borrowing costs followed by sudden hikes — froze supply by trapping owners inside artificially cheap mortgages. Washington’s policies created the gridlock. The inventory exists. Monetary policy quarantined it.

What the administration needs to do is allow prices to fall back toward alignment with median incomes. That adjustment would restore affordability without new federal intervention. Instead, the FHFA is pushing lower credit-score requirements for subsidized mortgages. That mistake will repeat the pattern of enticing families into overpriced homes they cannot sustain.

Housing policy should stop trying to prop up inflated prices. The market must correct. A federal “solution” built around 40 expansionary programs will intensify the crisis, not solve it. Doing nothing would spur more affordability than this bipartisan blunder.

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Why the post-Pelosi Democratic Party seems directionless

Earlier this month, former Speaker Nancy Pelosi announced her retirement after nearly four decades of public service. As Democrats say goodbye to one of their last remaining operatives to actually effectuate change, the party is left directionless.

The extent of Democratic leadership has now been reduced to Senate Minority Leader Chuck Schumer and House Minority Leader Hakeem Jeffries of New York. Both figures have repeatedly struggled to balance the progressives and the establishment moderates, with the most recent shutdown fiasco serving as a prime example.

'We all need to take a very big dose of humility.'

Onlookers on both sides of the aisle largely agree that the undisciplined messaging and disorganized strategy would never have taken place when Pelosi held the gavel.

With no obvious leader to follow in Pelosi's footsteps, the Democratic Party has become more undisciplined and rudderless than ever before.

Photo by Alex Wong/Getty Images

“She's an all-time great speaker because all other tools that speakers had to discipline or motivate legislators were not available to her," said Dheeraj Chand, a Democratic strategist and pollster with Siege Analytics, of Pelosi.

"She has no whip. She has no carrot. All that she has left is persuasive power, and she held that entire group of imbeciles together using nothing but persuasive power," Chand told Blaze News. "No small feat."

The latest instance of intraparty insubordination took place when 23 House Democrats chose to rebuke one of their own. The unusual reprimand came after Democratic Rep. Chuy Garcia of Illinois was censured by nearly all Republicans and several Democrats, with Democratic Rep. Marie Gluesenkamp Perez of Washington authoring the condemnation.

Garcia, a retiring Democrat, was censured after he set up his chief of staff to be the lone Democrat on the primary ballot to succeed him in his deep-blue district, a move which Gluesenkamp Perez called "election subversion."

"Both parties are finding it increasingly difficult, if not impossible, to lead their respective caucuses in the traditional hierarchical manner," Len Foxwell, a Democratic strategist based in Maryland, told Blaze News. "We see the example with Representative Garcia as emblematic of the challenges that Democrats face with breakaway members, and we saw during the attenuated leadership tenure of Kevin McCarthy how virtually impossible it is for establishment Republicans to contain the Freedom Caucus."

"When there's no leader, it's not only that there's no opinion, but there's nobody calling the shots," Chand told Blaze News. "When there's nobody calling the shots, it's hard to feel like you are playing for a team that can protect you."

Tom Williams/CQ-Roll Call, Inc via Getty Images

In both cases, neither party had a political north star to follow. With former Speaker Kevin McCarthy, President Donald Trump's command of the party slipped away after former President Joe Biden was declared the winner of the 2020 election. In the case of Democrats today, the party is still on the back foot following the colossal electoral rebuke they endured in November 2024 after Kamala Harris stepped in to replace Biden at the top of the ticket.

Some party moderates still believe that "a lot of Democratic voters didn't come out because they were appalled at the vice president just getting to step in for the president, even though that was her job! Another perceived coronation, from her eyes, is just going to exacerbate the brand problem," Chand suggested.

"Without a leader, every legislator is responding to what they think is the reason for the loss," he told Blaze News.

“The Republican leadership chain is much more vertical and much more linear because the party is still led by Donald Trump," Foxwell told Blaze News. "It is still absolutely Donald Trump's party, and Mike Johnson toes the Donald Trump line, period full stop. It's easy when you have an outsized leader at the top to set the substance, the tone, and the stylistic direction of the party."

"We don't have that, and we haven't had it in more than a decade, even with the four-year interim with Joe Biden," Foxwell added. "He was not what one would consider a strong party leader.”

Photo by Michael M. Santiago/Getty Images

The shortcomings of the directionless Democratic Party culminated on November 4, 2024, when Trump swept all seven swing states and secured impressive electoral gains across nearly every demographic.

"Exit polls are something like tabular tarot cards — you see what you want to see in them. They reveal more about you than they do the world," Chand told Blaze News. "It's unreasonable to rely on them too much, but post-election surveys are very, very revealing. This kind of loss is a catastrophe that is decades in the making. It's bigger than one candidate in 100 days or one term. We lost share with everyone except affluent white people. That's a Reagan-level defeat [over Walter Mondale], for similar reasons."

"Right now our party is in the midst of one of its periodic transitions in which the establishment wing is in a battle for primacy with its progressive insurgent wing. It's taking on philosophical overtones, but also generational ones," Foxwell told Blaze News. "It's not just that the old-school leadership represented by Pelosi was perhaps philosophically out of sync with some of these younger, more progressive insurgents, but she also came from a different generation."

While Republicans comfortably dominate the political landscape, Democrats are trying to find their own identity. New York progressives like Rep. Alexandria Ocasio-Cortez and Mayor-elect Zohran Mamdani have emerged as rising stars in their party and as a rebuke to establishment figures like Schumer and even Pelosi. Other figures, like Democratic Gov. Gavin Newsom of California and even failed candidate Kamala Harris, seem to be scoping out the competition.

Even with a range of politicians to choose from, the first step Democrats need to take is zoom out and understand their electoral failures.

"Nobody sees this coming," Chand told Blaze News. "I think we're going to lose until we win. And when people figure out what it takes, we will win. I think we all need to take a very big dose of humility."

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