Here are facts you need to know about the new GOP plan to replace Obamacare. Health care is back. This week, the House narrowly approved a new version of the Republican plan to overhaul the Affordable Care Act. This time, much of the debate was focused on whether Obamacare's popular prohibition against denying coverage based on preexisting medical conditions will remain in place. House Speaker Paul Ryan tweeted that the new McArthur amendment to the GOP bill “protects people with pre-existing conditions.” The amendment, crafted by Rep. Tom McArthur (R-N.J.), helped attract more Republican votes to get it passed. But despite Ryan's tweet, there’s no guarantee that people with preexisting will not face higher costs than under current law. Plus, lawmakers rushed ahead with the new version without an assessment by the nonpartisan Congressional Budget Office, so its impact is especially unclear. We dug into this in depth this week. Here’s a summary of what we found below. For the full Fact Checker guide on the GOP bill and preexisting conditions, read it here. Enjoy this newsletter? Forward it to someone else who'd like it! If this e-mail was forwarded to you, sign up here for the weekly newsletter. Hear something fact-checkable? Send it here, we’ll check it out. What’s the McArthur amendment, and who’s affected? The amendment allows states to seek individual waivers from the ACA, which required everyone to purchase insurance (“individual mandate”). The theory is that removing sicker people from the markets and allowing policies with skimpier options would result in lower overall premiums. That means if the new health law passes, the person who would be affected is someone who 1) lived in a state that sought a waiver, 2) had a lapse in health coverage for longer than two months, 3) had a preexisting condition, and 4) purchased insurance on the individual market (i.e., the health exchanges in Obamacare that currently serve about 18 million Americans). A person who fell into this category would face insurance rates that could be based on their individual condition, for one year. After that, they would qualify for prices at the community rate, rather than based on their individual illness. |
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