MacArthur Amendment to AHCA Would Mean Higher Premiums for Age and Preexisting Conditions

We already know that health insurance legislation known as the American Health Care Act (AHCA) is a bad deal for older Americans ages 50-64. For people who purchase coverage on their own in the individual (nongroup) market and are not yet eligible for Medicare, the bill would significantly increase premiums for all older adults and spike costs dramatically for lower- and moderate-income older adults. Now a bad bill just got worse. The House is considering a new amendment introduced by …

State High-Risk Pools Failed Consumers in the Past — and Would Again

The revised  American Health Care Act (AHCA) threatens to do away with the Affordable Care Act’s (ACA) protections for people with preexisting health conditions. These protections prevent insurance companies from denying these individuals coverage or charging them higher rates based on their health. Eliminating these protections could force millions of Americans to — once again — rely on state high-risk pools. State high-risk pools are supposed to provide access to health insurance for people who cannot get coverage in the …

Proposed Tax Credits Raise Affordability Concerns for Older Adults

Did you know that over 3 million older adults ages 50-64 rely on Affordable Care Act (ACA) tax credits to purchase health coverage? In fact, pre-ACA, almost half of them were uninsured. These credits help older adults with low to moderate incomes offset some or all of the cost of their health insurance premiums. They are a critical form of financial assistance for those without access to health insurance through an employer or public program. The American Health Care Act …

Fake Tax Bill Offers Clues to Avoid Future IRS Scams

IRS impostors have a new scam: fake emails that claim to contain a tax bill related to the Affordable Care Act. This latest scheme, which triggered a warning from the Internal Revenue Service late last week, contains a “payment link” in the email itself and an attachment for a fake CP2000 notice for tax year 2015. CP2000 notices are intended to inform tax filers that the IRS has received information from a third party that doesn’t match the income numbers …

Covering Low-Income Midlife Adults Through Medicaid: Making Progress, but More States Need to Take the Plunge

The Affordable Care Act — as interpreted by the U.S. Supreme Court — gives states the option to expand Medicaid. Access to Medicaid significantly reduces the number of uninsured in this country. Since the expansion began, millions of individuals are receiving coverage through Medicaid or the Children’s Health Insurance Program. Yet, 19 states have not expanded Medicaid coverage, potentially leaving almost 2 million low-income midlife adults (ages 45-64) without access to insurance coverage. Being uninsured is especially hard on adults …

Can You Afford the Health Care You Need?

Imagine this: You’ve been unemployed for a year and, as a result, don’t have health insurance. You have type 2 diabetes. You need blood tests, but they cost $600 and you can’t afford that. You have a broken tooth that you can’t get fixed. You want to work, but no matter how hard you try, you haven’t been able to find a job. Unfortunately, nearly 3 million hardworking Americans may face scenarios like this. When the decision to expand affordable …