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"CBO and JCT estimate that, in 2018, 14 million more people would be uninsured under
H.R. 1628 than under current law. The increase in the number of uninsured people
relative to the number projected under current law would reach 19 million in 2020 and
23 million in 2026. In 2026, an estimated 51 million people under age 65 would be
uninsured, compared with 28 million who would lack insurance that year under current
law. Under the legislation, a few million of those people would use tax credits to
purchase policies that would not cover major medical risks."
Premiums would drop somewhat, but coverage will also decrease with higher deductibles
Premiums would drop somewhat, but coverage will also decrease with higher deductibles
Premiums will increase substantially for people age 50-65. The older one gets, the higher their premium will be increased.
Premiums only drop somewhat for those in those in their 20s to early 30s. The is because the ratio of premiums has been increased between young/old has been changed to 5-1. This means older people can be charged premiums that are 5 times the price of a younger person's premium. With ACA, the ratio was 3-1.
Correct me if I am mistaken, but doesn't it also reinstate lifetime caps and eliminate essential benefits?
From what I understand, individual states can approve policies without essential services and with lifetime and annual caps, and in order to 'encourage' them to do so each state that writes their own plan will get a 2 billion bonus. I also read an article that said that insurance companies are going to push hard to get states to write those policies and probably coerce them by raising the marketplace rates to the point where they are unaffordable, the state policies can deny care for emergencies, cancer coverage, pregnancy, pharmaceuticals, whatever they want. It might have been a Kaiser article that described that, if I can find it I will post it here
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