American Health Care Act: Myth vs. Fact
MYTH: The American Health Care Act will price those with preexisting conditions out of the market, making health care unaffordable for them.
FACT: Under the AHCA, rules that prevent insurance providers from denying coverage or charging more expensive rates based on health status remain the law of the land.
If states can show they have new innovative solutions to protect individuals with preexisting conditions in a better way, they can waive out of this regulatory framework ONLY for individuals who have gone more than two months without purchasing insurance. (1)
As long as you have continuous coverage, you CANNOT be charged more based on health status in ANY state. (2)
Even if you have a gap in coverage, insurers can only charge you a higher premium for 12 months, then you are returned to paying the same premiums as everyone else. (3)
On top of the $130 billion investment in risk mitigation programs in the bill, the AHCA devotes $8 billion over five years to further stabilize the premiums of the small subset of people who would be affected. (4)
- American Health Care Act, Sec. 136(b)(3)(F) https://bit.ly/2pJDXlz
- American Health Care Act, Sec. 2710A(b)(1)(B) https://bit.ly/2p7plsg
- American Health Care Act, Sec. 2710A(b)(3)(A) https://bit.ly/2p7plsg
- American Health Care Act, Sec. 132 https://bit.ly/2oZqnLT