The health insurance market created by the ACA is healthy and stable, even with 7 years-worth of Republican efforts to undermine it. Despite rhetoric from Trump, experts agree that there is no risk of it collapsing unless the Trump Administration actively sabotages it.
The Trump Administration continues to sow uncertainty in the insurance market by not enforcing the individual mandate or paying plans money promised to them to offset the cost of subsidies for low-income Americans.
The insurance market will react to this uncertainty: some plans may pull out and others will have to charge higher premiums to account for the uncertainty caused by the Trump Administration. For example, Blue Cross Blue Shield of North Carolina, recently said they were nearly tripling their premium increases for this exact reason.
If the Trump Administration followed the law as it is written today, the health insurance market would continue trending toward stability.
Medicaid is decimated under TrumpCare and would result in millions of Americans losing coverage.
- TrumpCare would end Medicaid expansion by 2020 and cut $800 billion dollars from the program just in the first decade.
- Medicaid for kids, elderly and the disabled is radically transformed to a system where states get fixed funding, regardless of their health care needs or unexpected disasters like Zika or opioid addiction spikes that drive up the cost of services.
- Don’t let them tell you no one on Medicaid is hurt under TrumpCare. 14 million will lose Medicaid coverage.
The process to pass the ACA was lengthy, thorough and transparent. TrumpCare has been rushed, negotiated in backrooms, without input from experts, stakeholders, or the public.
- In the House, the ACA received 79 hearings with 181 witnesses and 121 amendments. Trumpcare received literally zero hearings and zero witnesses and no substantive amendments to the actual legislation were accepted in committee.
- The ACA took over a year to pass. Republicans first tried to pass Trumpcare 17 days after revealing it.
- Don’t let them tell you that TrumpCare was passed through anything but an undemocratic process.
People with pre-existing conditions are not guaranteed protection under TrumpCare. It was the ACA that, for the first time, blocked insurance companies from denying or charging people more because they had been sick. TrumpCare eliminates this guarantee.
- TrumpCare would allow states to easily opt-out of the ACA’s protections. Insurers in any state that adopted this would be allowed to charge people with pre-existing conditions 10 or 20 times more than other people. The Congressional Budget Office estimates one in six people in the country would live in such a state.
- Republicans are trying to make the case that high-risk pools will protect people with pre-existing conditions. This is false. High-risk pools aren’t a new--they’ve been tried before and they didn’t work. They usually have significantly higher premiums, lifetime limits, enrollment caps, waiting lists, and lock-out periods.
- If Republicans are serious about protecting people with pre-existing conditions, they should vote against TrumpCare.
Many Americans would pay higher premiums under TrumpCare.
- TrumpCare would dramatically increase premiums for Americans between the ages of 50 and 64, by allowing insurers to charge them five times as much as younger people (or even more, if a state gets a waiver). A 64 year old making $26,500 would pay 920% more in premiums than they do now.
- Women would be charged more under TrumpCare because states are allowed to opt out of essential benefit requirements that ensure women’s services, like birth control and maternity care, are covered by health insurance. The Congressional Budget Office estimates that a woman wanting maternity care would have to add $1000 a month to her premiums.
- Don’t let them tell you that TrumpCare reduces premiums, because it won’t for those who are least able to pay them.
Of course people die because they are uninsured!
- In 2009, before the ACA was passed, a study in the American Journal of Public Health found that 45,000 deaths per year were associated with a lack of health insurance. The study’s author reported that one person every 12 minutes died because of lack of access to health insurance.
- Somewhere between 22,000-44,000 people will die a year due to lack of health insurance if TrumpCare becomes law.
- Don’t let them tell you that becoming uninsured is anything but a death threat.
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