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By admin | May 10, 2017

The American Health Care Act’s State of Mind

The American Health Care Act (AHCA) passed the House of Representatives on May 4, 2017 by the narrowest of margins. If AHCA passes the Senate (no small feat), the health insurance industry could be hit with major changes in regulations – again.

State legislators could be in the crosshairs for that change. Let’s look at some of the major changes AHCA proposes.

American Health Care Act (AHCA) Impact

The impact of any healthcare reform is widespread. From insurance markets to health benefits sponsors to the individuals receiving care, all have a stake in the regulations. While we won’t be focusing on healthcare professionals, we certainly recognize they are also major stakeholders.

Let’s start with the individual. The chart below highlights certain AHCA provisions related to individuals receiving care and notes any changes to the current Affordable Care Act (ACA/Obamacare).

Individual

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* Continuous coverage is less than a 63-day gap in coverage in the last 12 months.

 

The insurance market provisions shown below deal with coverage and rate requirements.

The Insurance Market

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Plan sponsors (for purposes of this post) include public and private payers and employers that sponsor health benefits.

Plan Sponsors

[table id=5 /]

 

As you would expect, the above is the tip of the iceberg. There are many more AHCA twists and turns. Not to mention the distinct possibility that the Senate will shred AHCA and create their own version of healthcare reform.  Never a dull moment.

The Kaiser Family Foundation (KFF) updated its interactive comparison of proposals to replace the Affordable Care Act (ACA). For the detailed version (and we do mean detailed), check out their site. Or you could always click on KFF’s links to the Public Law.

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