OP’s post specifically asks “Who is going to win and why?”.
The “why” IS in the OP’s post and you left that out- that’s exactly what was mentioning in the first sentence of my last paragraph.
The rest of the last paragraph is a separate issue that I’ve noticed with Libs- they refer to President Trump’s time as president as a disaster but don’t bother to explain why and mention President Biden as the best person for the position given his 50 years in politics but fail to mention a single accomplishment.
I’m not familiar with the insulin cap that you mentioned and who’s ultimately going to pay for it (is it by any chance hard working citizens whose health insurance costs already jumped by more than 400% under President Obama?) but it helps less than 1% of the US population. While it may mean the world to those people it’s far from something to rave about given the damage that he’s done to the planet.