Trumpcare Updates

Affordable Care Act

Trumpcare Updates

Published on November 16, 2016

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(10/21/2018) How much do people know about changes to Obamacare for 2019? (link)

Survey of more than 1,500 consumers finds gaps in understanding of changes made to the Affordable Care Act (ACA or Obamacare), most notably, half (49 percent) mistakenly believe there will be a tax penalty for not having health insurance in 2019 (link)
 

(10/2/2018) 7 Things that are changing with your healthcare for 2019 (link)

If you by you’re buying own health insurance in 2019, here are seven key changes you need to know about for 2019. For most of the country, the annual open enrollment under the Affordable Care Act, or Obamacare, starts  November 1 and runs through December 15, 2018.

(3/14/2018) Health Insurance Tax Tips for the 2017 Tax Year (link)

Putting off doing your taxes? The 2017 tax year shouldn’t be hard to get through with some tips and tricks from eHealth. You may be able to get more money back with some of these helpful hints, so don’t miss out. (Read more)

(1/24/2018) Don’t miss California’s open enrollment deadline! (link)

Californians who don’t get health insurance on the job have just a few days left to select or change health plans under the Obamacare open enrollment period. (Read more)

(1/9/2018) What to do if you missed the 2018 open enrollment period (link)

The open enrollment period for 2018 ended on December 15, 2017. If you were unable to enroll in a health plan during open enrollment, there are still some options for you to get covered in 2018.
This article explains enrollment extensions, special enrollment, and alternative options to Obamacare plans such as short term coverage. See if any of these apply to you so you can protect yourself against unexpected medical costs in 2018. (Read more)

(11/1/2017 ) – 5 Things you should know about Trump’s executive orders on Obamacare for the 2018 open enrollment period (link)

It’s no secret that Congressional Republicans want to make significant changes to the Affordable Care Act (the law more commonly known as “Obamacare”).
They haven’t passed any major reforms, but the Trump administration has tweaked rules and issued executive orders that may affect your choices for 2018. This article highlights the five things you should know about those changes. (Read more)
 

10/23/2017 – What does the President’s executive order mean for people on Obamacare? (link)

You may have read that President Trump is doing away with health insurance subsidies for low-income people under the Affordable Care Act (the ACA or Obamacare). Phrased as starkly as that, the statement can be misleading. Here’s the deal…

 7/7/2017 – An Affordable Alternative to Obamacare: Packaged Medical Insurance (link)

The fact is that major medical health insurance (Obamacare) is too expensive for many Americans. The new, affordable alternative is something we call packaged medical insurance. It doesn’t cover everything that Obamacare plans do, but it does provide a broad range of valuable protections against unforeseen medical expenses. (read more)

6/27/2017 – eHealth’s CEO: How do we fix Obamacare? (link)

“I’ve spent as much time as I can over the last few months talking to many of you on the phone. I’ve asked you to be honest and direct with me about the parts of the Affordable Care Act (the ACA or Obamacare) that you think are working, and the parts you think are not.” Read more

6/22/2017 – Obamacare will be officially unaffordable in for most Americans in 2018 (Read more)

Projected rate increases for 2018 health insurance plans would make coverage unaffordable for many, according to the rules of the Affordable Care Act (the ACA or Obamacare). eHealth’s analysis shows that projected costs for 2018 health insurance plans would be officially unaffordable for 29% of individuals and 54% of families who bought their health insurance at eHealth during the 2017 open enrollment period.  (Read more)
 

6/17/2017 – Obamacare vs. AHCA vs. AHA (Infographic)

Obamacare vs. Trumpcare (House & Senate versions) See the graphic

5/24/2017 – Obamacare vs. Trumpcare (Infographic)

For the AHCA to become law, the United States Senate would have to vote on the bill and pass it with a majority vote. It would then need to go to the President’s desk and he would have to sign it into law.
In this article, we breakdown the Obamacare and Trumpcare to highlight similarities and differences. Read more

5/4/2017 – 4 Myths About the AHCA (learn more)

For the average American, it can be hard to separate the facts from the spin when it comes to the AHCA. In order to help you better understand what the bill may mean – and what it won’t – we’ve debunked four myths about the legislation. Read more

5/3/2017 – How Much Does Obamacare Cost For Those Without Tax Credits? (learn more)

Of the 18 million Americans enrolled in the ACA (Affordable Care Act/Obamacare), roughly 8 million pay full price for their health insurance receive no Federal assistance. How much do these people pay for their health insurance? Read more

3/24/2017 – No Obamacare repeal. What happens next? (learn more)

On March 24, House Speaker Paul Ryan decided not to send the American Health Care Act (AHCA) to the floor of the House of Representatives. The AHCA was the GOP leadership’s bill to overhaul the US healthcare system.
Following the decision not to vote, speaker Ryan said Obamacare would remain “the law of the land” for the foreseeable future. (Read more)

3/17/2017 – The Centers for Medicare & Medicaid Services (CMS) issued Market Stabilization Rules – (link)

The market stabilization rules were aimed at lowering premiums, stabilizing individual and small group markets, and increasing choices. The final rule made several policy changes aimed at improving market stability. (read more)

3/12/2017 – The American Health Care Act: What You Need to Know About “Trumpcare” (link)

The Republican leadership in the House of Representatives has released its proposal to replace the Affordable Care Act. The bill, known as the American Health Care Act, would modify numerous provisions of the Obamacare law, and the debate in Congress is already getting fierce. (read more)

2/16/2017 – Could changes be coming to next year’s Obamacare open enrollment period? (link)

With the confirmation of Tom Price as Secretary of Health and Human Services, the Trump administration is already working to make changes to President Obama’s health reform law, the Affordable Care Act (ACA). (Read more)

 

1/26/2017 – What is the Patient Freedom Act and Will it Replace Obamacare (The Affordable Care Act)?

eHealth answers questions for people who buy their own health insurance about the Patient Freedom Act of 2017 (PFA), which was introduced by Senators Bill Cassidy (R-LA) and Susan Collins (R-ME) as an alternative to the Affordable Care Act (ACA or Obamacare).

“TRUMPCARE” GRID: How does the Affordable Care Act stack up replacement plans being proposed by the GOP?

 

Affordable Care Act (Obamacare)
Speaker of the House Paul Ryan’s Draft Plan
Congressman Tom Price’s Draft Plan

Is their a federal mandate to buy health insurance?

Yes

No

No

Would there be a federal tax penalty for not having health insurance?

Yes

No

No

Are government subsidies or tax credits available?

Yes

Yes

Yes

Could I buy plans that don’t cover benefits I don’t want (like maternity)?

No

Yes

Yes

Can adult children stay on the plan until age 26?

Yes

Yes

Unclear

Can I be declined for pre-existing conditions?

No

No, but it could cost you more in some instances

No, but it could cost you more in some instances

Are there specific open enrollment periods to sign up for coverage?

Yes

Yes

Unclear

Who defines required benefits for all plans?

Federal Govt.

States

States

1/23/2017 – How much does Obamacare cost in 2017? 

New data from eHealth shows average individual(Obamacare) health insurance premiums have increased 99% since 2013. Over the same time period, family premiums have increased 140%.
Ten Years of Health Insurance Table

1/13/2017 – Trump and Congress take first steps toward repealing Obamacare – (What does that really mean?)

President-elect Donald Trump and Congressional Republicans take first steps toward repealing the Affordable Care Act. If you’re as confused about what that means as we were, read on. We’ve tried to simplify it here in our FAQ (Read the FAQ).

12/16/2016 – Obamacare Deadline Extension: Health Insurance Shoppers Can Still Get Coverage for January 1 

A number of government-run health insurance exchanges and insurance companies have announced extensions to the December 15 deadline for Obamacare.
onexchangemap

11/29/2016 – How would President-Elect Trump’s Secretary of Health and Human Services repeal and replace Obamacare? 

In our most recent update, eHealth reviews changes to Obamacare that are supported by President-Elect Trump’s nominee for Secretary of Health and Human Services (HHS), Representative Tom Price, MD. The Congressman partnered with Senator John McCain in 2013 to introduce draft legislation in the in the House of Representatives that would repeal and replace the Affordable Care Act. Learn more

11/15/2016 – What do people on Affordable Care Act health plans want changed about the Affordable Care Act (ACA or Obamacare?)

In October former U.S. president, Bill Clinton, took a shot at the ACA, claiming in no uncertain terms that it was driving up prices on working-class families. For many who benefit from the law’s generous subsidies (advanced premium tax credits), these words rang hollow. For those who do not qualify for subsidies, the words rang true.
In this article we provide a graphical side-by-side comparison of those who receive subsidies and those who do not.   In it we cover monthly premiums, out-of-pocket costs and satisfaction with benefits and access to doctors.

11/13/2016 –What’s the future of Obamacare? We’ve got some answers for you.

Read our FAQ on “Trumpcare” and the future of “Obamacare.”

05/17/2017 – “Proxy Direct Enrollment” Is Created for Third Party Sites (read more)

In May, the Department of Health and Human Services announced that starting with enrollment for 2018, consumers would be able to complete the entire health insurance enrollment process on a third party website (like eHealth). This will make it much easier for consumers to look at plans on different platforms, while still being considered “on-exchange”.

10/12/2017 – Federal Government Will No Longer Provide Cost-Sharing Subsidy Payments (read more)

Announced in October, the government will no longer provide insurance companies with the payment for Cost-Sharing Reduction (CSR) Subsidies. Fear not–this doesn’t mean that health insurance subsidies are all gone, the more widely known Advanced Premium Credit subsidies have seen no changes, and CSR subsidies are still in place, just not funded by the government. Health insurance companies are still required to offer CSR subsidies through the ACA, which may affect prices elsewhere (read more).

12/15/2017 – Annual Open Enrollment Period Cut Short, But State Marketplaces Provide Extensions

The 2018 Open Enrollment Period was significantly shorter than in years prior–Open Enrollment will be occurring from November 1, 2017 to December 15, 2017 rather than the January 31st deadline of past years. Dates vary by state, so if your state runs its own federal Marketplace, make sure to check when your Open Enrollment Period deadline is here.

12/20/2017 – Trump’s Tax Reform Bill Passes Along with Individual Mandate (read more)

The Republican’s proposal for tax reform passed and some changes made will take affect in January 2018. The individual mandate (legal requirement to have qualified health insurance at risk of facing fines) was repealed through this tax reform, but won’t be in effect until 2019–so don’t ditch your health insurance just yet.

 

06/21/2018 – New Rules for Association Health Plans 

In June of 2018, the U.S. Department of Labor published new rules for association health plans in the Federal Register. These rules broaden the interpretation of associations, allowing more small businesses or even sole proprietors to band together in order to benefit from perks that larger groups have, such as better prices and more negotiating power. Read up on association plans and what’s new with them in 2018 here.

10/02/2018 – New Rules for Short-Term Health Insurance Plans Take Affect

Discussions about changing limits on short term health insurance plans began in early 2018, and official changes came into affect in October. You can look forward to plans that initially last up to a year, with the opportunity to renew for up to 26 months. Read all about how short term plans changed this year here. If you want all your possible questions about short term health insurance answered, go visit eHealth’s comprehensive short term health insurance FAQ.

10/15/2018 – California Open Enrollment Begins

If you’re in California, consider yourself lucky–you get quite the head start on shopping for health insurance plans in your state. All other states can check dates and deadlines through their exchanges here.

We’ll let you know when we publish anything new.