Senior Policy Analyst
Any health plan from House GOP leaders would likely scrap much, if not all, of the Affordable Care Act’s (ACA) most popular feature: the market reforms that allow a broad array of people — including those with pre-existing conditions — to buy insurance that meets minimum coverage standards in the individual and small-group private health insurance markets.
These markets would effectively revert to pre-health reform rules, meaning insurers could once again:
This list is far from comprehensive. (Click here for the full list of ACA market reforms.) While a health plan from House GOP leaders would likely stress that states could retain some of the ACA’s consumer protections, that was true before the ACA and few did. That’s because instituting these reforms without also requiring people to have health insurance or pay a penalty and providing sufficient subsidies to make coverage affordable — as the ACA does — would raise premiums and destabilize insurance markets.
In short, turning the clock back to pre-ACA insurance market rules would mean a return for many Americans, particularly those with pre-existing conditions, to harmful insurer practices and large gaps in coverage within highly flawed, poorly functioning individual and small-group markets.
Read the rest of our series previewing a House GOP leadership health plan here.