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Obamacare V Republican Plan Compared
Obamacare V Republican Plan Compared
By Anthony Zurcher
Now, with a governing majority, they’ve had to come up with a replacement plan – a task that has proved much more challenging than they may have imagined.
Here’s a look at some key differences between the existing law, informally known as Obamacare, and the American Health Care Act, crafted by the Trump administration and Republican leadership in the House of Representatives.
Pre-existing condition coverage
Obamacare: Prohibits insurers from denying coverage or charging more to individuals who have pre-existing medical conditions.
Republican plan: Gives states the option to waive pre-existing coverage requirements if they set up high-risk insurance plans for individuals who would be priced out by traditional insurers.
Essential health benefits
Obamacare: Requires all insurance plans to cover certain health conditions and services, such as emergency room visits, cancer treatment, annual physical exams, prescription drug costs, mental health counselling and women’s health services.
Republican plan: Allows states to define what benefits are mandated or opt out of the requirement entirely.
Obamacare: Expanded Medicaid health insurance for the poor to cover more low-income individuals.
Republican plan: Curtails federal funding for Medicaid expansion beginning in 2020 and give states the option to receive federal dollars as a block grant instead of based on number of enrolees.
Obamacare: Provided refundable tax credits for low-income individuals who purchased their insurance on government-run marketplaces and support for some out-of-pocket medical expenses.
Republican plan: Makes tax credits based on an individual’s age, which are phased out at higher income levels. Ends tax credits for out-of-pocket expenses.
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