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OTHERS

Affordable Care Act vs. American Health Care Act: What Would Change?

Affordable Care Act vs. American Health Care Act: What Would Change?

INDIVIDUAL COVERAGE

ACA: Provides tax credits based on income for individuals to buy plans through state or federal exchanges. Those who have low-to-moderate incomes receive the most generous financial assistance.
 
AHCA: Tax credits are based primarily on age instead of income. Credits can be used to buy any state-licensed health plan — either on or off the exchanges.
 

DEDUCTIBLES

ACA: Cost-sharing subsidies assist those with low-to-moderate incomes to buy
a standard silver plan on the exchange.
 
AHCA: Eliminates the cost-sharing subsidies. Allows consumers to make higher contributions to health savings accounts to cover deductibles and copayments. Sets up a fund for states to use for cost-sharing assistance, among other purposes.
 

PRE-EXISTING CONDITIONS

ACA: Forbids insurers from denying coverage to those with pre-existing conditions or charging them more for coverage. 
 
AHCA: People with health problems are protected. Those who do not maintain continuous coverage are charged a 30 percent premium penalty for a year. States can use federal funds to create high-risk pools.
 

GENERATIONAL COVERAGE

ACA: Insurers can charge their oldest customers no more than three times what they charge young adults.
 
AHCA: Insurers could charge older customers up to five times what they charge young adults.
 

YOUNG ADULTS

ACA: Can stay on parent’s insurance until age 26.
 
AHCA: No change.

Susan Rupe is managing editor for InsuranceNewsNet. She formerly served as communications director for an insurance agents' association and was an award-winning newspaper reporter and editor. Follow her on Twitter @INNsusan. Contact her at [email protected].


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