Health Insurance Cancellation

Update for ObamaCare Coverage and ObamaCare Repeal in 2017

Below is an updated overview of where ObamaCare and its replacement plan stands now that Trump has been elected and repeal efforts have begun.

This page will be updated as we learn more, keep checking back for updates on the Republican (GOP) “defund, repeal, delay, replace plan”. Skip around the page to make sure you catch all the main points. There is no single thing to know, there are many.

NEWEST UPDATE:House republicans have just unveiled “the American Health Care Act” (The New ObamaCare Replacement Plan). So much up to this point has been a guessing game, but now that is less true. With that in mind, the information below is helpful for background, but the replacement plan is generally what you want to be looking at. The plan has its pros and cons (just like ObamaCare has its pros and cons), but it is worth noting that according to the report: An estimated 52 million people would be uninsured under the Republican health care plan by 2026, compared with 28 million who would lack insurance that year under ObamaCare.

UPDATE “THE OBAMACARE REPAIR PLAN”: Although its far too early for ObamaCare supporters to celebrate, recent language used by the GOP hints that the plan will “repair ObamaCare” rather than “repeal, delay, replace”. This hints that Trump and the Republicans will opt to take a more methodical approach to improving the Affordable Care Act, one that won’t send insurers who price months in advance into a tailspin (just the sort of thing that was actually being called for by supporters of the law in the Obama era; AKA GOP supported reform). We will keep you updated on the details as the year rolls along, for now, the rest of the information below will give you an idea of what “the plans” have looked like so far.

BOTTOM LINE: Repeal is near certain, and Republicans have already begun the process via what is known as “budget reconciliation“. Despite this, ObamaCare is on for 2017 until further notice. If you haven’t gotten covered yet, you should before the changes begin, time is running out. Different replacement plans are in the works (and although there is no official replacement, I’ve read the past GOP bills and can essentially tell you what is in there… it is what is in HIP 2.0, the House “Better Way”, the Price plan, and of course Trump’s plan). That means there will likely be replacements that look like they are keeping protections like the preexisting ban, but aren’t. Keep checking back for updates.

NOTE: Trump has promised a “simultaneous repeal and replace” plan (or “near simultaneous” plan), he has also promised it would be “better than ObamaCare”. In fact, Trump has gone as far as to promise “insurance for everybody”. Still, for now, 20 million lives are on the line, and for their sake and ours, we need to hold the GOP accountable and the President-elect to his words. Listen to his exact words in the video below and make a bookmark. See also: TrumpCare (which annoying will no longer include “debating drug prices”), Trump’s order, updates on Price and Paul plans, and past Republican health plans. Newly unveiled plans include the Cassidy-Collins plan, the Ron Paul ObamaCare Replacement Act (S.222), The Lower Drug Costs Through Competition Act (not a full replacement plan, but a notable reform plan), and of course… our plan in which we try to achieve universal coverage while retaining provisions suggested by the GOP plans. There have been many ideas floating around, but generally all of them look like the House “Better Way” and Price plan (so that is worth keeping in mind). That means we are almost 100% going to get business as usual GOP healthcare with the preexisting conditions exclusion… that is unless America makes enough noise if and when a replacement plan is brought to the table for public feedback. There is room for compromise and reform, but so far it has just been the GOP reframing their “better way” plan.

THE EFFECTS OF REPEAL: Some past Republican repeal and replace plans have had drastic effects on the budget, costs, and coverage. See what the CBO projects would happen if ObamaCare was replaced with the past Republican plan H.R. 3762 (hint: premiums are projected to double and 32 million are projected to be uninsured). This doesn’t mean a final “TrumpCare” plan will do this, it means that it could if it looks like the stock Republican plan.

On this page we answer questions like: What will happen to ObamaCare in 2017? Will it be repealed? Will there be a simultaneous repeal and replace like Trump promised? What do the Republicans get right in past replacement plans? Will the GOP implement their repeal and delay plan, or will they replace quickly as promised? What provisions are on the chopping block? Will the GOP’s “Continuous Coverage Exclusion” For Pre-Existing Conditions replace the mandate? Should we embrace Pence’s Medicaid solutions and Price’s HSAs despite other gripes? Do Price and Pence even plan to ask our opinion, or is this just going to be a rhetoric fest of “death spirals” and “the GOP don’t have a plan”?

Updates and Facts on ObamaCare Repeal and Replace

Obamacare is being repealed in a complex way that involves both budget measures and a repeal bill, but that doesn’t mean key provisions (like cost assistance, Medicaid expansion, or preexisting conditions protections) will be repealed right away. Instead, in simple terms, the implementation of the repeal of key provisions will likely be “delayed” (why we call it “defund, repeal, delay, and replace”, the plan includes all these things).

In the meantime, open enrollment 2017 is still on and none of the ACA provisions have been repealed yet!

That means open Enrollment 2017 is on, cost assistance is available to many families making between 100% – 400% of the federal poverty level via the marketplace, Medicaid is still expanded to those making less than 138% of the poverty level in states that expanded, insurers can’t deny you, drop you, or charge you more for having a preexisting condition, and the mandates are still in effect (so employers must still offer coverage to full-time employees and there is still a fee for not having coverage).

It is unlikely, but not impossible, that these provisions will be repealed until at least 2018 due to logistics (although some may, especially if they are replaced). Keep checking back for updates, or see ObamaCare 2017 Repeal and Replace Updates for more details.

Speaking loosely, many [but certainly not all] politicians are not being fully honest about all the implications of the GOP plan. The GOP tells their base they are going to “repeal Obama’s legacy”, but they say publicly they will “simultaneously repeal and replace”. Democrats say the GOP will repeal everything, but past GOP plans (of which we can indeed look at legislation, like Price’s plan) show a willingness to build on ObamaCare via their “replacement” plans. Generally, all politicians know, a full repeal isn’t going to happen, and what we are really fighting over is how and if to repeal and replace key provisions.

The confusion stems mainly from the fact that Republicans haven’t been as forthcoming about a plan as they have about “full repeal”. Pair this with the fact that the ACA is already confusing, and we get a very complex situation.

Complexities aside, there is real cause for concern. 20 million newly covered, plus everyone who has been sick in the past, or relies on subsidies, or on Medicaid, or on Medicare, or on Social Security, or is employed through work, etc is in information limbo and really could lose their assistance.

Despite what anyone says, Republicans and Democrats have good ideas for healthcare. We can confirm this by reading past GOP plans, Bernie’s plan, and the ACA itself. However, I only know this from reading all the plans and synthesizing the data. This is not really public knowledge, and has required lots of detective work on our part. It is unreasonable to expect us to play detective on “what maybe is in the plan” while Republicans focus on repeal. We need to get politicians on both sides of the isle working together instead of beating each other over the head with our healthcare.

What Does a Replacement Plan Look Like?

Despite popular opinion, a healthcare wonk will notice that many provisions in past GOP healthcare plans are “pretty darn workable” and only a few key provisions are in true jeopardy to start (the ones that can be repealed by defunding: Medicaid, Tax Credits, Out of Pocket Assistance, and the mandates).

In general, although we don’t know exactly what they will do, we can assume that the GOP really only wants to replace a few key ObamaCare coverage provisions and protections and add a few things in a few more like “sell insurance across state lines” (the idea that they want to repeal the whole thing is often part spin).

What is wrong with their plans is far more nuanced and complex than is often eluded (because it is complex and they have been unclear about their plan, it opens the door for rhetoric and worry).

For example, their fix for preexistings has too long a period in which people need to buy back into a plan. I have a number of fixes for this (some of which are here), but we need a plan on the table so we can put a fix forward.

We can fix Better Way all day, but if the GOP doesn’t try to pass Better Way, or they don’t tell anyone you are going to implement Better Way, then why are we coming up with fixes for it?

Likewise, HIP 2.0 (Pence’s respectable Medicaid solution) has some really great qualities and could easily form the basis of a public option (with a HSA eligible buy-in for higher income Americans), but we don’t know if it is on the table.

Obama has said he will support a plan that covers the 20 million and works, if he supports it, then i’m sure other Democrats will, thus we should be seeking to turn the GOP’s plan into a plan that meets those standards (or risk at least another 4 years of turmoil). To do this, we need the GOP to “show us the plan”.

NOTE: Some replacement provisions in past Republican plans have been lackluster. For example, to point to this major sticking point again, the GOP’s “Continuous Coverage Exclusion” For Pre-Existing Conditions replaces ObamaCare’s ban on preexisting conditions with a requirement that anyone with more than a 60 day gap in coverage to face exclusions for preexisting conditions for 18 months while they buy back into a plan. Likewise, Republicans plans often offer tax credits based on age rather than income. Both these provisions stands to hurt lower income Americans, and the working class when they get sick and need the safety net! These provisions weren’t in Trump’s “TrumpCare plan” specifically, but they are in most other GOP plans (including Tom Price’s plan). Watch out for replacements that sound “the same” but aren’t. ObamaCare isn’t “in a death spiral” today, just like it didn’t “kill our grandmothers” back in 2009. The rush to repeal is political, not for the people. If there is a great replacement plan, “show us“.

How to Understand the Conflicting Repeal Plans

It is still uncertain as to what will happen to ObamaCare under Trump. We know Trump and Republicans plan to act quickly, but details have been sparse. Here is what we know:

Trump has promised a “simultaneous repeal and replace” plan, Congressional Republicans have begun implementing a “repeal and delay” plan (by voting to defund key provisions of the Patient Protection and Affordable Care Act via “budget reconciliation“) which could delay a replacement for years (potentially forever), President Obama has said he will support a better plan that offers affordable coverage to at least the 20 million ObamaCare (the Affordable Care Act, ACA) does, and Democrats will likely follow Obama’s lead.

If Obama, Democrats, and Trump get their way, then we can expect a workable replacement plan. If Congressional Republicans get there way, we may face a delay (that means some defund and repeal measures are passed now, but they set to be implemented later while a replacement plan is worked out).

With that said, it doesn’t seem likely that a workable plan that is agreed on by Democrats and Republicans can be whipped up in a few weeks.

The parties have had decades to hash out their healthcare differences, and the GOP has had 8 years to suggest a replacement, so it is a little hopeful on Trump’s part to think he can rally Congress to action (after-all, Congress makes the laws, not the President, and Republicans control the House and Senate). Still, nothing is impossible.

As noted above, the GOP has plenty of passed plans, they just haven’t been forthcoming about “the replacement plan”. That means we are stuck with uncertainty, wonder, and what-ifs until the plan is on the table… and it also means the repeal has started before the conversation, which is causing a lot of the surrounding “fuss”. 20 million lives really are on the line, although to what extent really depends on what happens.

You can Help Save ObamaCare and Other Assistance Programs

 

Find out what you can do to help save ObamaCare (and Medicare and Medicaid).

Even if Trump follows through with his long-standing promise of “a great replacement plan”, key provisions of ObamaCare, Medicaid, and Medicare may still be on the chopping block in 2017.

Other programs on the line include Planned Parenthood, Social Security, and more.

Find out what President Trump means for ObamaCarewhat a Republican repeal and replace plan looks like, and what TrumpCare might look like.

What do you think?

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Lisa on

I am sure Mr Trump (I will never call him President Trump) and the Republicans in Congress never have and never will worry about if they will have insurance or not.

Patty on

As a Registered Nurse, illnesses knows no holidays, how much money nor power one has.
May their conscious be their guide as they watch the suffering people without quality, affordable health care.
Karma!

David on

” If Obama, Democrats, and Trump get there way, then we can expect a workable replacement plan. If Congressional Republicans get there way, we may face a delay (that means some defund and repeal measures are passed now, but they set to be implemented later while a replacement plan is worked out).”

“THEIR way” not “THERE way”
I cannot believe you made that mistake!
Please change it. It takes away your credibility. 🙁

Erin on

Thank you for being helpful. Everyone make mistakes, but we always appreciate constructive feedback.

patricia garcia on

what wll happen with people that need to return money for 2016 for having the Obama care.
regular people, working hard people, need to return thousands of dollars just because they had the Obama care? what will happen now if it is rejected or cancelled with the new administration?

Erin on

None of these changes are going to happen in a single year. You will not suddenly be denied tax credits for insurance purchased this year. Please don’t misunderstand what is happening. The decisions they make over the future of healthcare, tax credits, and insurance will effect the following year.

louise ringle on

I am sick and angry at this potential loss. I have a son with juvenile diabetes who depends on ObamaCare for his insurance. What will he do? I feel betrayed and frightened. How can republicans do this to us?

Patty on

Repealing the Affordable Care Act has nothing to do with improving health care and cost, but dismantling one of the many accomplishments made by President Obama.
Every time I hear Paul Ryan say what’s good for the American people, I cringe.
He should say, what’s good for me.
The American people will suffer from this fate, while the House ,Senate and republican congress do not have to worry about being able to afford quality health care.

Jim on

Will children under 18 be covered on the future you will surely pay more for coverage

Protest protest on

GOD Damn that mentality to burn down a legacy of a black man and trying to Temple every human condition in the way so they can trully say he was ineffective an the almighty whitey had to save America again

Not necessary on

Belligerent and unintelligent comments like this is the reason why people that you’re asking to have an open mind don’t.

Cathy Andrews on

I think that I need my ACA It has worked for me and the Republicans are dead wrong about saying it is not working 20 million people have it and need it. They have had 6 years to come up with something They dont have anything It is all just talk. I have high blood pressure and I need my medication and I dont need to have a lapse in my coverage while I am waiting for a replacement and neither does anyone else Some with a lot more serious problems than me. I am 63 years old and I would like to know how it affect me since I am nearing the age of 65 for medicare.

johnny on

I think that the republicans and trump are paving there road right to hell when their time comes.By taking away obamacare,they are hurting and possibly killing millions of innocent people.They don’t even have a replacement healthcare plan.The problem is the republicans have a beef with Obama,they think by destroying obamacare there hurting him,there wrong,by destroying obamacare there hurting the innocent people.Wise up and start thinking with your heart.

Mary on

Well I just wish they could fix it so that I no longer have to pay over 1000 a month for my mefical

Teresa Myers on

I do not care if they keep Obama care but it is un American and violation of my American rights to be forced to buy into it or be fined. Just lose the fine and give the American people a choice. This country does not run under a dictatorship!!!

ObamaCareFacts.com on

There are three different universal healthcare systems on earth, one is the mandate system… So, while it may not play well in America, people treating it like it was something Obama himself came up with are missing the boat. Fair view though, people don’t like being forced to buy things in this manner and I do think that was heard loud and clear. You should expect change.

Bob on

Wouldn’t have these problems if politicians had to abide and use the same laws and health plans that they impose on the public. My wife’s diagnosis by the marketplace doctor was ‘she needs insulin’. Found a dr outside the plan that has her almost off the metmorphin with normal levels – and no insulin was started.

Denise Zerilli on

They also need to repeal the PTC reconcile formula on form 8962! Because my husband worked at a 4 month contract job, we have to pay back all of our PTC, $8000!! Ridiculous!

ObamaCareFacts.com on

That is crazy, you are right that it needs reform. However, the GOP actually plans to increase the current limits, not reduce them: http://obamacarefacts.com/advanced-tax-credit-repayment-limits/

Good call, this is a real sticking point, it just is that i’m not sure the GOP is seeking the right fix from what I hear (the last list of “maybe-to-dos” were hearsay, I haven’t seen an official rule yet).

Ps. To be in this situation you had to have been projected very small amounts of money and then went over the 400% poverty level. That is a unique situation, but it is a real one. I would be fuming having to pay back that much money… and really, I don’t think the government should be fronting people that much money like that. Too many awkward ways it could end up, like this.

Thanks for commenting.

jimmy on

I think many are missing some of the main points and problems here…lobbying by big pharma controls a lot of the decisions made. ACA and the insurance companies have forcibly negotiated down the price they will pay for ALL medical care AND drugs. Shareholders are making less money, Institutions are making less money, or so they think…Eventually volume would make up for the losses, but greed and immediate gratification gets in the way. Another issue is the ridiculously high cost of meds due to the lengthy governmental process of R and D, obtaining funding, pay-offs/lobbying, FDA approval, etc.and, of course, greed. Also, why is it that without insurance or a “discount card”, my vitamin d hormone pill that I need to stay alive costs 550 dollars, but I pay 5 and the insurance company pays only 130, and with my discount card(which is free), I only pay 144. WHY isn’t the price simply 144 ?? Here’s yet another example….My ENDO charges 240 for an office visit w/o insurance. With insurance I pay 20 and insurance pays 47. That is 67 for an office visit, NOT 240 !! WHY isn’t the price 67 ??? My best friend without insurance needed to go to the hospital. The bill was over 51,000. He said he had no insurance and they dropped his bill to 6000 and put him on a payment plan. WHY wasn’t the original bill 6000 instead of 51000 ??? I shot myself in the hand with a nail gun and went to the ER. The bill was 1200. I informed them I had no insurance. They said if I paid within 30 days, they would drop the bill to 387. Here’s yet ANOTHER example….at the ENDO’s office without insurance, my blood tests cost 980. WITH insurance the company pays 240 and I pay 20. Total 260. If I go myself to the SAME lab the Dr.s office uses, the SAME tests cost me 96 WITHOUT insurance !!!!!! WHY ??WHY?? WHY??? THIS is why insurance is sooooo expensive !!! Because it’s all a HUGE racket !! Institutions rape the insurance, insurance rapes the people, shareholders get rich !!! Of course, Obamacare is not perfect and has many issues that do not work. It’s doesn’t benefit everyone. Neither will “Trump Care”. I happen to be one of the many that Obamacare HAS helped and I am scared to death to lose it. However, I have friends that it has hurt and are paying more money for less care than I can get for just a few dollars. Imposing fines on people for not having insurance is wrong. There are many, many things wrong with this system and no one really wants to fix it right now, the new admin is only trying to appease wherever the money is coming from or where it’s going. I have lived abroad for a few years where there is quality socialist health care. It was not perfect either, but NO ONE had to worry about healthcare, no elderly had to worry about making a choice that day over heat, food or medicine. No parents had to worry about their child’s illness. People who have never had to live without insurance, or have never been without deep pockets can never understand the despair of people without those things. Feeling the hopelessness that comes with no money and no insurance is something I wish on no one. To feel that you cannot get care or medicine and that you or your children could possibly suffer or die and that no one cares because you have no insurance or money is a horrible, indescribable thing and I wouldn’t wish it on anyone. That feeling should NEVER be an issue in what is supposed to be “the greatest country in the world”.