AMERICAN HEALTH CARE ACT: WHAT WON’T CHANGE

The bills that make up the AHCA were primarily focused on what changes would be made to existing ACA rules. Here are some items that would not change under the proposal.

PRE-EXISTING CONDITIONS

The ACA mandate prohibiting insurers from denying or charging more for coverage to patients with pre-existing conditions would be preserved.

COVERAGE FOR ADULT CHILDREN

The AHCA would preserve the ACA’s rule allowing young adult dependents to remain on their parents’ plans until they are 26.

COST-SHARING LIMITS

Out-of-pocket maximum limits imposed on non-grandfathered plans by the ACA would continue to apply. These limits are currently $7,150 for single and $14,300 for family coverage.

ANNUAL AND LIFETIME LIMITS

The AHCA would retain the prohibition on annual and lifetime limits on essential health benefits.

FOR MORE INFORMATION

Visit the Ways and Means Committee and the Energy and Commerce Committee websites for more information.

DID YOU KNOW?

In late February 2017, the Department of Health and Human Services (HHS) extended an existing transition policy for certain health plans that do not comply with the Affordable Care Act (ACA) for an additional year, to policy years beginning on or before Oct. 1, 2018.

During this transition period, health coverage in the individual or small group market that meets certain criteria will not be considered to be out of compliance with the ACA’s market reforms.

The extension means that individuals and small businesses may be able to keep their non-ACA compliant coverage through 2018, depending on the plan or policy year. If the ACA is repealed, replaced or amended, the market reforms may no longer apply to these plans.