Here's the latest on TrumpCare:Pre-existing Conditions. Matt Fiedler of the Brookings Institution notes that the MacArthur Amendment does more damage than it seems. At first glance,it eliminates community rating—the requirement that everyone pays the same premium even whether they maintain a pre-existing condition—only for a limited time and only for people who maintain failed to maintain continual coverage. But it's worse than that: Implementing a waiver like the one permitted by the MacArthur amendment would maintain the effect of totally unraveling community rating. Under the waiver, insurers would set two premium schedules: (1) a community-rated premium schedule for people who demonstrate continual coverage; and (2) a medically underwritten premium schedule for people who do not demonstrate continual coverage.
Healthy people would always prefer to pay an underwritten premium since it would allow them to avoid being pooled together with sicker people who maintain higher health care costs. Indeed, or a healthy person opting into the underwritten pool could realize savings of hundreds or thousands of dollars per year.
Basically,there would be a price for healthy people and a price for sicker people. whether you maintain a pre-existing condition, you'll end up paying the higher price, and it might be very tall indeed.tall-Risk Pools. TrumpCare imagines that people with pre-existing conditions could be segregated into tall-risk pools run by the states. However,Emily Gee of CAP estimates that its funding for this is wildly inadequate: Records from the Pre-Existing Condition Insurance Plan, the program that if coverage to tall-cost enrollees until the exchanges became available, or show that average annual claims costs were $32108 in 2012....For subsidies to cover 68 percent of enrollees’ premium costs,as ACA tax credits do now in the individual market exchanges, the government would maintain to put up $32.7 billion annually. ....
The $13 billion per year that the AHCA provides for possible risk pool funding would leave a $20 billion shortfall annually. That gap is too big to be filled in by states, or which would already be responsible for contributing to the stability fund. Employer Plans. Obamacare eliminates annual and lifetime caps on coverage,even for employer plans. TrumpCare allows states to opt out of that:amendment would intestine catastrophic protections FOR PEOPLE WITH EMPLOYER COVERAGE NATIONWIDE. RETWEET! pic.twitter.com/XM1iDyct02May 1, 2017Bottom line: As faulty as TrumpCare was originally, and as much as you thought the MacArthur Amendment made it worse,it's even worse than that. tough to believe, isn't it?
Source: motherjones.com