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Affordable Care Act
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American Health Care Act-
introduced 3/6/2017
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Individual Mandate: required individuals to obtain health insurance or face tax penalties.
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Individual Mandate: the AHCA has no coverage requirements for individuals.
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Employer Mandate: required companies with 50 or more employees to provide employer sponsored health insurance or face financial penalties.
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Employer Mandate: There is no requirement for employers to provide employer sponsored health insurance in the AHCA.
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Premium subsidies: The ACA provided tax credits based on a sliding scale according to income.
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Premium subsidies: The AHCA uses age instead of income to distribute subsidies. Individuals making less than $75,000 and households under $150,000 would be eligible for the premium subsidies.
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Medicaid expansion: Expanded Medicaid by raising the eligibility cutoff to 138% of the poverty level.
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Medicaid expansion: Allow states to keep the expansion through 2020. Eligibility would be reduced start in 2020.
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Health savings account: Under the current law, in 2017, an individual can put $3,400 and a family $6,750 into a tax-free health savings account.
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Health savings account: Almost doubles the amount an individual or family can save in the tax-free account, $6,550 for an individual and $13,100 for a family beginning in 2018.
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Age Rating: The ACA capped the amount an insurer could charge based on age, 3 to 1.
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Age Rating: Increases the band to 5 to 1 and allows for states to set their own band.
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Dependent coverage until 26: The ACA allowed for dependents to remain on their parents' insurance until age 26.
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Dependent coverage until 26: The AHCA continues to allow for dependents to remain on their parents' insurance until age 26.
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Pre-existing conditions policy: The ACA required insurers to provide insurance to individuals regardless of pre-existing conditions.
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Pre-existing conditions policy: The AHCA maintains this policy.
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Essential health benefits: The ACA required every health insurance plan to offer 10 essential health benefits.
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Essential health benefits: The AHCA maintains this coverage requirement.
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Prohibitions on annual and lifetime limits: The ACA barred insurers from capping the dollar amount they would spend on covering an individual.
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Prohibitions on annual and lifetime limits: The AHCA keeps the prohibition in place on capping the dollar amount of insuring an individual.
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