The Trump administration announced the first major changes proposed in Affordable Care Act on Monday. Policy experts said that it is more difficult for consumers to join in the scope of application, which can reduce registration.
Details were published after the draft press release was posted by chance.
In 2025, approximately 24 million Americans in accordance with ACA, known as Obamacare, have joined the insurance plan sold under the ACA. The BIDEN administration has increased the premium subsidies of many low -income families and achieved record registration levels, reducing the monthly cost of some plans to $ 0. Also, instead of waiting for the registration period every fall, some low -income people have become easier to join at any time. However, the program suffered fraudulent registration last year and filed about 274,000 consumer complaints by August, and most of them focused on Medicare & Medicaid Services Center for Rogue Insurance Agents and other bad actors.
The Trump administration said in a new statement on the Monday statement, “It includes important measures and necessary measures to prevent people from registering in market guarantee without knowledge or consent, and only those who are established to support the ACA in market insurance without knowledge or consent.
But policy experts said that this change will impose a new document burden to interfere with registration.
Sabrina Corlette, a research professor and co -director of the Health Insurance Reforms at Georgetown University, said, “We have more burdensome requirements and access to the scope of guarantees for consumers, especially low -income consumers.”
Among other new requirements, consumers need to provide more information to prove their qualifications for premium subsidies when registering and registration. This regulation will also shorten the annual registration period by a month. And it deals with social issues and restricts qualifications for “Dreamers”. In other words, it is the nickname of illegal immigrants brought here as a child based on a proposal that has never passed in the parliamentary parliamentary parliament.
This proposal will remove opportunities throughout the year during the special registration period of people with very low income. However, we set up a new requirement for the remaining special registration period, which can be signed after major living events such as losing job -based insurance, divorce, marriage, or moving after major living events such as when income changes. They will now have to provide evidence of qualification when applying in that special situation.
During the regular registration period, people who are automatically connected to the zero premium plan are charged monthly payments until they check or update the information.
According to the proposal, the ACA Marketplace estimates the next year’s income, but must find additional data from consumers, including self -employed or performers who do not have tax report data submitted with IRS for the past few years.
BIDEN Administration changed to reduce fraudulent registration last year, including a three -way call between insurance brokers, customers and federal insurance market places.
Some of the trump administration’s proposed changes can help certain consumers to warn of unconsciously registered ACA plans. For example, some customers on the cheapest plans need to receive a small monthly premium bill.
However, Cynthia COX, vice president of ACA program, a non -profit organization that includes KFF Health News, said, “The additional documents and other qualifications will have a decline in registration.” there is.”
Nevertheless, some people can be found to be difficult if they cannot document the expected change of income. “They can make legal arguments, but they are having a hard time showing it.”
The annual public registration period ends on December 15 a month earlier this year. The designated period is for most people to join and to prevent people from waiting until they get sick to register.
Trump also deals with social problems.
Dreamers will overturn the BIDEN administrative policy that can receive the scope of ACA application for subsidies. This decision is the topic of court challenges that are already trying to overturn 19 states.
In addition, according to Trump’s proposal, gender care nursing will not be considered part of the “essential health benefits” that all plans should deal with.
According to the FAQ accompanied by the initial press release of the proposed regulations, the provisions may need to increase the cost of the person who requires sexual problems because they may need to find plans to find a plan to provide the scope of insurance coverage or pay the cost of their own burden. “
As a proposed rules, this measure is now faced with the period of disclosure and potential amendments.
Katie Keith, the Center for Health Policy and Legal Director of Georgetown University, said, “No of them will be implemented.” “The problem is how much it applies in 2025 in 2025.”
The FAQ has admitted that some of the changes proposed, including registration of low -income people throughout the year, “can increase the administrative burden of consumers related to registration and verification processes or prevents them from registering.”
But “We think that improving program integrity and reducing inappropriate registration are more important than accessibility to application scope than these potential influences.”
Some lawmakers and conservative organizations pointed out concerns about unauthorized registration and ACA subsidies or registration periods to promote problems.
For example, the right -wing Paragon Health Institute issued a report in June that it requires an expansion of a special registration period for low -income people in Biden Administration.
“The ACA exchange has a significant amount of fraud and waste, the Biden administration has pursued all cost strategies and has been able to withstand waste, fraud and abuse, and Brian Blase, an influential President in the Trump administration, said,” There is a need for other approaches to protect legitimate registrants and taxpayers. “
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