Implications of a repeal of the ACA

[Anonymous]

What happens to those with pre-existing conditions. How will this be dismantled?

[Anonymous]

Back to the old system. No coverage for pre-existing conditions with a gap in coverage. And if they scrap the exchanges, some people will have gaps in coverage. Insurance companies will save money that way. Win for businesses!

[Anonymous]

Anonymous wrote:Back to the old system. No coverage for pre-existing conditions with a gap in coverage. And if they scrap the exchanges, some people will have gaps in coverage. Insurance companies will save money that way. Win for businesses!

Yea, and the poor and sick get screwed. Thanks America.

[Anonymous]

My sister was diagnosed with breast cancer last month. I'm sick to my stomach about it.

[Anonymous]

This is the kind of stuff that keeps me awake at night. Knowing my children and I with medical conditions will be without coverage. I'm a hard working American, working full time since the age of 16. Guess we're not entitled to live though.

[Anonymous]

Anonymous wrote:This is the kind of stuff that keeps me awake at night. Knowing my children and I with medical conditions will be without coverage. I'm a hard working American, working full time since the age of 16. Guess we're not entitled to live though.

They'll call you a "beta". Just survival of the fittest at work.

You have been born a healthy Alpha if you wanted to live a long time.

[Anonymous]

Worrying about whether I'll be able to keep my recent college grad on my medical insurance. Hopefully she'll be able to get a job with health insurance but it's scary to think of her not covered.

[Anonymous]

http://www.npr.org/sections/health-shots/2016/11/09/501203831/trump-can-kill-obamacare-with-or-without-help-from-congress

https://www.donaldjtrump.com/positions/healthcare-reform

[Anonymous]

Anonymous wrote:http://www.npr.org/sections/health-shots/2016/11/09/501203831/trump-can-kill-obamacare-with-or-without-help-from-congress

https://www.donaldjtrump.com/positions/healthcare-reform

From the npr article:

During his campaign, Trump proposed a series of measures that he said will allow people to buy affordable health insurance policies outside of the Obamacare exchanges.

I already buy outside the exchange, and the premium still went up 50%. This is a fallacy.

Those measures include promoting tax-free health savings accounts that might help individuals save money to pay for health care costs and allowing people to deduct the cost of their premiums on their personal income tax returns. Trump has said he also wants to allow insurers to sell policies across state lines to boost competition."

I already have a high deductible plan with an HSA, and again, premiums went up 50% with a high deductible. Others have complained about this too.

Health insurance companies already sell across state lines, no? I had Blue Cross/Blue Shield when I lived in another state. I have it now in MD. What's the difference between what he's stating about sellers selling across state lines and what we have now?

I already deduct the premium I pay; so do most others who get insurance through employers. It's a before tax deduction on your gross income.

I also read his stance on his website. The only thing I saw that we don't have now and that I 100% agree with is accessing cheaper imported drugs. But, other than that, I really don't see anything else that's different to what we already have now.

[Anonymous]

The Republicans now own the solution. They have to come up with an alternative that addresses the prices they have complained about while still preventing exclusions for pre-existing conditions. We'll see what happens now that two parties feel responsible for it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:http://www.npr.org/sections/health-shots/2016/11/09/501203831/trump-can-kill-obamacare-with-or-without-help-from-congress

https://www.donaldjtrump.com/positions/healthcare-reform

From the npr article:

During his campaign, Trump proposed a series of measures that he said will allow people to buy affordable health insurance policies outside of the Obamacare exchanges.

I already buy outside the exchange, and the premium still went up 50%. This is a fallacy.

Those measures include promoting tax-free health savings accounts that might help individuals save money to pay for health care costs and allowing people to deduct the cost of their premiums on their personal income tax returns. Trump has said he also wants to allow insurers to sell policies across state lines to boost competition."

I already have a high deductible plan with an HSA, and again, premiums went up 50% with a high deductible. Others have complained about this too.

Health insurance companies already sell across state lines, no? I had Blue Cross/Blue Shield when I lived in another state. I have it now in MD. What's the difference between what he's stating about sellers selling across state lines and what we have now?

I already deduct the premium I pay; so do most others who get insurance through employers. It's a before tax deduction on your gross income.

I also read his stance on his website. The only thing I saw that we don't have now and that I 100% agree with is accessing cheaper imported drugs. But, other than that, I really don't see anything else that's different to what we already have now.

To this point, insurance companies currently sell across state lines by forming individual sub-corporations in each state that only sell in that state in compliance with that state's laws, which can vary significantly, particularly when it comes to coverage requirements and consumer protections. So BCBS may sell in multiple states, but it's through different branches of BCBS selling different policies depending on state law. Under the Republican proposal to sell across state lines, BCBS and other insurers would no longer need to do this, they could just have one company selling one set of policies in the state that is most friendly to insurers and has the weakest consumer protection laws, and that would be your only option, regardless of what requirements are provided by your state's law. They claim it will lower prices, but to the extent it does so, it will be through the gutting of your protections as an insured. Your coverage will most likely become weaker, and if your insurer fails to provide the contracted-for coverage, your recourse will be to the insurance commissioner of another state who's not really going to care about your problems because you're not one of their constituents.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:http://www.npr.org/sections/health-shots/2016/11/09/501203831/trump-can-kill-obamacare-with-or-without-help-from-congress

https://www.donaldjtrump.com/positions/healthcare-reform

From the npr article:

During his campaign, Trump proposed a series of measures that he said will allow people to buy affordable health insurance policies outside of the Obamacare exchanges.

I already buy outside the exchange, and the premium still went up 50%. This is a fallacy.

Those measures include promoting tax-free health savings accounts that might help individuals save money to pay for health care costs and allowing people to deduct the cost of their premiums on their personal income tax returns. Trump has said he also wants to allow insurers to sell policies across state lines to boost competition."

I already have a high deductible plan with an HSA, and again, premiums went up 50% with a high deductible. Others have complained about this too.

Health insurance companies already sell across state lines, no? I had Blue Cross/Blue Shield when I lived in another state. I have it now in MD. What's the difference between what he's stating about sellers selling across state lines and what we have now?

I already deduct the premium I pay; so do most others who get insurance through employers. It's a before tax deduction on your gross income.

I also read his stance on his website. The only thing I saw that we don't have now and that I 100% agree with is accessing cheaper imported drugs. But, other than that, I really don't see anything else that's different to what we already have now.

To this point, insurance companies currently sell across state lines by forming individual sub-corporations in each state that only sell in that state in compliance with that state's laws, which can vary significantly, particularly when it comes to coverage requirements and consumer protections. So BCBS may sell in multiple states, but it's through different branches of BCBS selling different policies depending on state law. Under the Republican proposal to sell across state lines, BCBS and other insurers would no longer need to do this, they could just have one company selling one set of policies in the state that is most friendly to insurers and has the weakest consumer protection laws, and that would be your only option, regardless of what requirements are provided by your state's law. They claim it will lower prices, but to the extent it does so, it will be through the gutting of your protections as an insured. Your coverage will most likely become weaker, and if your insurer fails to provide the contracted-for coverage, your recourse will be to the insurance commissioner of another state who's not really going to care about your problems because you're not one of their constituents.

And your policybeill probably have a provision mandating arbitration before someone selected by the insurer.

[Anonymous]

Anonymous wrote: I already buy outside the exchange, and the premium still went up 50%. This is a fallacy.

I hate to say this but shouldn't the private premiums go down now that the health insurers aren't forced to cover every tom, dick, and jane with expensive pre-existing conditions or who have been abstaining from getting needed medical attention until now?

[Anonymous]

As I recall--could be wrong--coverage of pre-existing conditions and extending parents' insurance to children under 26 were the two features of ACA conservatives liked.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:http://www.npr.org/sections/health-shots/2016/11/09/501203831/trump-can-kill-obamacare-with-or-without-help-from-congress

https://www.donaldjtrump.com/positions/healthcare-reform

From the npr article:

During his campaign, Trump proposed a series of measures that he said will allow people to buy affordable health insurance policies outside of the Obamacare exchanges.

I already buy outside the exchange, and the premium still went up 50%. This is a fallacy.

Those measures include promoting tax-free health savings accounts that might help individuals save money to pay for health care costs and allowing people to deduct the cost of their premiums on their personal income tax returns. Trump has said he also wants to allow insurers to sell policies across state lines to boost competition."

I already have a high deductible plan with an HSA, and again, premiums went up 50% with a high deductible. Others have complained about this too.

Health insurance companies already sell across state lines, no? I had Blue Cross/Blue Shield when I lived in another state. I have it now in MD. What's the difference between what he's stating about sellers selling across state lines and what we have now?

I already deduct the premium I pay; so do most others who get insurance through employers. It's a before tax deduction on your gross income.

I also read his stance on his website. The only thing I saw that we don't have now and that I 100% agree with is accessing cheaper imported drugs. But, other than that, I really don't see anything else that's different to what we already have now.

To this point, insurance companies currently sell across state lines by forming individual sub-corporations in each state that only sell in that state in compliance with that state's laws, which can vary significantly, particularly when it comes to coverage requirements and consumer protections. So BCBS may sell in multiple states, but it's through different branches of BCBS selling different policies depending on state law. Under the Republican proposal to sell across state lines, BCBS and other insurers would no longer need to do this, they could just have one company selling one set of policies in the state that is most friendly to insurers and has the weakest consumer protection laws, and that would be your only option, regardless of what requirements are provided by your state's law. They claim it will lower prices, but to the extent it does so, it will be through the gutting of your protections as an insured. Your coverage will most likely become weaker, and if your insurer fails to provide the contracted-for coverage, your recourse will be to the insurance commissioner of another state who's not really going to care about your problems because you're not one of their constituents.

PP Here. Thanks for the reply. That's helpful.

The last bit about not having much recourse if the insurance company resides in another state is scary. I honestly don't think Trump has thought this through. I guess it's no surprise that he doesn't view things from the little guy's side, but more from the corporation's side. This sounds like a nightmare. It's already difficult trying to deal with insurance companies when you are fighting for coverage, like when I had to get my DD a certain type of rx but the insurance company denied it, and wanted me to go on the cheaper drug which gives my DD side effects. I had to call the insurance company several times, and wait weeks for it to finally be approved, but only with the doctor's approval. So there was a lot of back/forth. ugh.