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Changes To ACA (Obama Care) Coming Under Trump Administration (Trump Care) (Stay Tuned For Updates & Be Sure To Follow Us On Facebook and our BLOG)
With the election of Donald Trump as the next US President, healthcare reform and ObamaCare are on the chopping block. There is media speculation that a transformation away from the current ObamaCare system will be rather immediate once Donald Trump is sworn into office in January.
While changes are certainly coming, I would not expect a wholesale changeover immediately, but rather over the course of 2017 or several years to fully implement.
Below are some key points to a Donald Trump-Care system and a link to his Healthcare Reform Paper which goes into more detail...
1. Completely repeal Obamacare.
2. Modify existing law that inhibits the sale of health insurance across state lines.
3. Allow individuals to fully deduct health insurance premium payments
4. Allow individuals to use Health Savings Accounts (HSAs).
5. Require price transparency from all healthcare providers.
6. Block-grant Medicaid to the states.
7. Remove barriers to entry into free markets for drug providers that offer safe, reliable products.
As we are seeing/hearing in the news, some of the components may be changed to preserve portions of ObamaCare which work well.
How swiftly changes will be made remains to be seen. Trump has indicated that these changes represent one of his highest priorities so I would expect solid information early in 2017. Donald Trump's Vision for Health Reform are also on his website.
Will I Lose My Covered California Health Plan or Subsidy?
It is really going to depend on the replacement plan that gets put into place. Current discussion revolves around subsidies (age-based) being given without need for an Exchange. It may end up that the exchanges are eliminated and subsidies are provided directly to tax payers.
Because Covered California is state-based and somewhat autonomous, California could continue to use the exchange as a mechanism for certain plan delivery options (high risk pool, etc.)
Will TrumpCare Plans Cover Pre-Existing Conditions?
Certain parts of the Affordable Care Act (ObamaCare) are likely to be kept in the new system. Coverage for pre-existing conditions and dependents to age 26 on their parent's plan are all being considered to remain in place.
Pre-existing conditions may be subject to either a continuous coverage requirement or may be placed in state-run high risk pools.
Will TrumpCare Reduce Current High Premium Rates for Health Insurance?
One of the state goals of the Administration is to create a system with "affordable" premium options. At this time we don't know how that will evolve, but it will likely revert back to states to determine acceptable plan designs. I would expect the removal of certain "essential health benefits" as currently required under ObamaCare (such as mandatory maternity, pediatric dental and so on) would have a positive impact on health insurance pricing.
There are indications the Administration is looking to roll back essential benefits to help stabilize prremium costs.
Is One House or Senate Bill Most Likely To Be The Replacement Language for TrumpCare?
I would expect that portions of multiple Congressional Bills and discussions would for the overall change to TrumpCare. There are currently at least a handful of bills floating around in DC and each has different objectives as well as common ground. Most likely the House and Senate will take applicable portions of several bills and cobble them together into the replacement framework.
Will TrumpCare Affect My 2017 Health Insurance?
I would not expect changes to be made to actual health plans and health plan choices until the end of the year. It would, in my opinion, be too disruptive to require people to make changes during a plan year. I would think changes to be made will be forward-looking into 2018 and beyond.
That is not to say that repeal provisions may not take effect in 2017. It is very likely that changes made through "reconciliation" could be activated during 2017.
I Am Hearing About HSA Plans. Will These HSA Plans Be The New Type of Coverage?
Donald Trump and many members of the House and Senate are in favor of higher deductible HSA styled coverage plans. There has been some discussion about low-cost high deductible health plans
(HDHP) which would be compatible with an HSA account. They have even discussed the possibility of the Government funding HSA accounts for plan members. We will have to see how this all resolves.
President Donald Trump has signed an Executive Order (EO) that orders all departments and agencies, government-wide, to ease the burden of ObamaCare during the transition from repeal to replace.
In January, Republicans began the process of dismantling the Affordable Care Act by passing a budget resolution, which merely lays out the groundwork for repealing the healthcare law. The actual work on the repeal remains weeks away and includes many unanswered questions on what, when, and how Congress will repeal and replace the law.
President Trump signed an executive order directing federal agencies to "ease the burden of ObamaCare", as one of his first official acts as president. The order does not direct any specific actions, but rather gives broad authority to the Department of Health and Human Services and other agencies to take actions available under the law to ease regulatory requirements from the ACA, to target provisions that impose a "fiscal burden" on a state or a "cost" or "regulatory burden" on individuals or businesses. It is not clear what the impact will be from this order, however it could affect the individual mandate by granting more exemptions to individuals, affectively eliminating the requirement to purchase insurance.
California has its own statutory framework - distinct and apart from the federal law. California law will stand, even if the federal laws are changed, replaced, or repealed, unless the federal statute also dictates a dismantling of California Law.
President Trump's Address To Congress 2/28/17
GOP American Health Care Act 3/6/17
Paul Ryan PowerPoint Presentation 3/9/17
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Trump: Health Reform Still Top Priority 4/12/17
May 4th - President Trump Remarks On House Passage Of The AHCA
The Republican Tax Plan zeroes out the IRS tax penalty to purchase qualified health insurance in 2019
Short Term Health Plans may be reinstated to up to 12 months per HHS
Association Health Plans may be allowed across state lines