The Next Healthcare Reform — The American Heathcare Act (AHCA)

Much anxiety and concern surrounds the proposed changes to healthcare in the United States. This is easily understood considering healthcare has already gone through significant changes over the last several years. Some of these changes have been helpful while other changes have caused hardship to Americans.

In addition to anxiety and concern, there is also confusion surrounding the current House Bill. Let us take a look at a few of the most predominant features of the Bill:

• Premiums – The AHCA will lower premiums over time by an average of 10% with the potential for additional decreases as further reforms are made. The

ACA/”Obamacare” has caused large rapid increases across the nation. Roughly 25% increases this year with projections as high as 75% in some states for 2018.

• Pre‐Existing Condition – Coverage may not be denied due to a pre‐existing condition under the AHCA and insurance companies are prevented from raising premiums on individuals with pre‐existing conditions who maintain continuous coverage.1

• Mental Health – The AHCA includes $15 billion specifically toward mental health and substance abuse disorders.2

• Mental Health Parity Act – The Mental Health Parity Act is not affected by the AHCA.

• Congress Exemption – Members of Congress are not exempt from the provisions of the AHCA.

• Health Savings Accounts – The AHCA increases the amount Americans can contribute to their HSAs.

At this point, the Bill is set to impact primarily the individual health insurance market. As the House Bill moves through the legislative process, we are sure to see additional changes.

1 The American Healthcare Act Pre‐Existing Conditions Fact Sheet

2 The American Healthcare Act (AHCA) Myths and Fact