The Affordable Care Act (ACA) is still standing, although President Trump's recent executive orders may weaken it.
Here’s a quick history of attempts to overturn it:
May 4, 2017: Republican leadership in the U.S. House of Representatives, with the support of President Trump, passed the American Health Care Act (AHCA) – intended to both repeal and replace the ACA. It sought to overturn many of the mandates of the ACA, while proposing other means of keeping people insured.
The win was a narrow 217-213. No Democrats voted in favor, and some Republicans were divided over whether it went too far … or not far enough.
The final version included a number of amendments. Read more details here. Hours after this win, the U.S. Senate announced they’d craft their own bill instead of taking this one forward.
July 12, 2017: After crafting their own “repeal and replace” bill called the Better Care Reconciliation Act (BCRA), Senate Republicans chose to postpone a vote because it wasn’t expected to win the required 60 (out of 100) votes. The bill was expected to win zero Democrats and polarize some Republicans along similar lines as the AHCA. Read more details here.
July 27, 2017: Senate Republican leadership put forth a so-called “skinny bill” that would repeal the ACA … but not replace it with a new act. This bill only required a simple majority to pass but failed by a vote of 49-51.
September 26, 2017: The Senate decided not to vote on an eleventh-hour bill from Senators Lindsay Graham and Bill Graham to repeal and replace key parts of the ACA before September 30, when the vote threshold required to pass the legislation in the Senate will increase from 50 to 60. More details here.
The bill would have given states the power to make some of the toughest health care decisions (how to stabilize the marketplace, how to provide health care for lower income households, what benefits are mandated, etc.).
December 20, 2017: The House and Senate passed the Tax Cuts and Jobs Act. President Trump is expected to sign the legislation into law within the next several weeks. One provision of the Act eliminates the penalty for not having health insurance (also referred to as the Individual Mandate), beginning in 2019. Lower-income individuals who buy individual coverage through an ACA marketplace will still qualify for premium reduction subsidies.
To find out where the ACA stands now, read "ACA? OE? OMG. What’s up with health insurance?"
Or if you're ready to shop for health plans, call the friendly licensed agents at Mylo and they'll do your shopping for you! We look forward to helping you out, even if you just want advice.
Before you shop, it's a good idea to gather some basic info and do a little thinking about your priorities. We've created a checklist to help you prepare.
Want more practical advice about how to choose an insurance plan? We’ve created a simple glossary of tricky health insurance terms.