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Medicare 101

The Details About Trumpcare

Christian Worstell

by Christian Worstell | Published April 26, 2021 | Reviewed by John Krahnert

Trumpcare, also known as the American Health Care Act, is the proposed health care bill intended to replace the Affordable Care Act (Obamacare). Below, we uncover some details surrounding Trumpcare and explain how the proposed plan could affect insurance coverage and premiums. 

5 Important Trumpcare Details

When it comes to Trumpcare, there is a lot of information to digest. The following details will help give you a better understanding of the health care bill and what it may mean for you. 

  1. Trumpcare would eliminate the Obamacare individual mandate, which requires people under 65 to have health insurance or else face a penalty. This elimination is one factor that could be contribute to 24 million additional people going without insurance by 2026.
  2. Trumpcare would allow states to opt out of certain federal mandates put in place by the Obama administration’s Affordable Care Act. Such mandates include requiring insurance companies to cover select “essential benefits,” barring companies from charging higher premiums because of a preexisting condition, and mandating out-of-pocket limits for catastrophic illnesses under employer-sponsored plans.
  3. Subsidies that are in place to help lower-income people afford health insurance would be replaced by tax credits.
  4. The amount that may be contributed to a Health Savings Account would nearly double.
  5. The additional amount that an insurance company could charge an older adult would increase from three times as much to five times as much as a younger person buying the same plan.

Details About the Passing of Trumpcare

Below are details surrounding Trumpcare’s journey from proposed bill to law.

  • The Trumpcare bill was scheduled to be voted on by the House of Representatives in March. Amid fears that they wouldn’t receive enough votes to pass, Republican leaders abruptly pulled the bill from the House floor at the last minute.
  • The GOP party then went to work making amendments to the Trumpcare bill in an effort to sway more voters. Among these amendments were the waivers offered to individual states outlined in item No. 2 above.
  • In early May, the revised version of Trumpcare was once again brought before the House. The bill passed by a narrow 217 to 213 margin.
  • After passing through the House, Trumpcare would next need to pass a vote by the Senate. However, the Senate has balked at voting on the House bill in favor of drafting its own health care bill.

There is no deadline or timeline for the finalization of the Senate’s health care bill, nor is there a guarantee that Trumpcare will ever actually be signed into law by President Trump.

Learn more about the AHCA by reading these featured articles:



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