affordable care act

States are increasingly turning to reinsurance programs to improve their individual health insurance markets
A gavel and a stethoscope
Are State Innovation Waivers harmful or helpful? It depends how states use them
On August 1, the Trump Administration released a final rule that will allow insurance companies to offer cheaper “short-term limited duration” health plans for longer periods of time.
Fifteen years ago, President George W. Bush signed the Medicare Prescription Drug, Improvement, and Modernization Act which, among other things, created Medicare Part D to cover outpatient prescription drugs. Today, more than 40 million Americans are enrolled in Medicare Part D prescription drug plans.
You might have thought that efforts to unravel the Affordable Care Act (ACA) were over, but newly proposed regulations and legislation are once again threatening to have similar harmful effects for older adults ages 50-64 who rely on individual market coverage.
Federal subsidies, known as cost-sharing reductions (CSRs), have been critical to ensuring that over 2 million lower-income adults ages 50 to 64 who purchase coverage through health insurance Marketplaces can afford health care. [1] Despite the subsidies’ crucial role, the Administration announced yesterday that it will terminate payments for CSRs. The announcement—which comes less than 3 weeks before millions of Americans who buy insurance on the individual market start shopping for 2018 health coverage— is bad news for older adults and people of all ages.
Book with title Health Care Law on a table.
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.
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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.
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.
medicaid
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.
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