Economic and Political Insights

Economic and Political Insights

Home
Markets & Case Studies
Personal Finance & Investing
Politics & Elections
Economic Policy
Archive
About
Liquidity Today, Tax Traps Tomorrow
An overview of the impact of AGI linked programs on savings incentives and wealth over the life cycle
 • David Bernstein
The Pardon Power Is Broken
Trump’s Second Term and the Case for Amending the Constitution to Restrict the Presidential Pardon Power
 • David Bernstein
Shifting Catastrophic Health Costs to Medicaid
Why Socializing the Costliest Medical Cases Could Cut Private Insurance Premiums by 15–25 Percent
 • David Bernstein
Banning Wall Street Homebuyers Is a Trade, Not a Housing Policy
Why Trump’s proposal moved a few stocks—but won’t fix the shortage of houses
The Iowa House Map in 2026
Close races persist and the middle stays empty
 • David Bernstein
Policy by Posture: Behavioral Blind Spots in California’s One-Time Billionaire Wealth Tax
Residency timing, valuation risk, capital-formation effects, and the limits of symbolic taxation
 • David Bernstein

December 2025

Texas 2026 Elections
U.S. Senate and U.S. House
 • David Bernstein
A Preliminary Note on ACA Subsidies, CHIP, and a Neglected Source of Taxpayer Savings
A targeted adjustment could lower premiums in the near term—while leaving the door open to wider health care reform.
 • David Bernstein
Three Essays on Streaming Mergers
Media consolidation has entered a new phase.
 • David Bernstein
Economic & Political Insights — Weekly Memo. -- Events in New York
Stefanik's withdrawal and anti-Israel challengers to incumbent Democrats
 • David Bernstein
Bipartisan Failure on Health Care
Why both parties are willing to risk household coverage—and what it signals for Social Security
 • David Bernstein
Neither Party Is Solving the Household Debt Problem
How ideological rigidity and political incentives are driving worse outcomes in health care, student loans, and retirement and failing to address Social…
 • David Bernstein
© 2026 David Bernstein · Privacy ∙ Terms ∙ Collection notice
Start your SubstackGet the app
Substack is the home for great culture