What is Trumpcare Health Insurance?

A Lower Cost Alternative To Obamacare

The term “Trumpcare health insurance” broadly applies to the Trump Administration’s initiatives to regulate healthcare insurance policies. It doesn’t refer to any health insurance policies or plans but has connotation to certain enactments proposed for the new government health insurance system proposed in the U.S.

President Trump has a 7 point plan for revamping the entire American healthcare program through what is popularly called the Better Reconciliation Act, Obamacare Relief (Trump’s Executive Order). A number of health insurance bills for effecting changes to the American Health Care Act (AHCA) are proposed and these are bound to provide plenty of options.

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Advantages Offered By the Trumpcare Insurance

trumpcare health insurance

Trump care insurance offers some unique advantages and that can change the manner in which you view healthcare. Here is some crucial information regarding the same which you may find useful.

  • Elimination of tax penalties- Young and healthy Americans don’t have to pay any tax penalties even if they choose to get out of the health insurance coverage during the year. This is because the ACA’s individual mandate has become obsolete since the year 2019.
  • Multiple options to explore- If implanted, Trump health care 2020 will ensure increased market competition among insurers to secure business. Hence, buyers have numerous options to explore in the marketplace. It is possible to get health insurance coverage through state healthcare programs, associations as well as short term policies.
  • Reduction in federal budget- Subsidies on government health insurance plans provided by companies has been reduced drastically under President Trump’s health insurance initiative. As revealed by Congressional Budget Office (CBO), cuts on Medicaid will save an estimated $337 billion annually for the United States.
trumpcare insurance
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trumpcare vs obamacare

What To Expect from the Trumpcare Health Insurance?

  • Individual and employer mandates along with associated penalties stand repealed.
  • Age based tax credits will replace income based government subsidies.
  • Starting 2020, Medicaid expansions have been capped and medical disbursements are to be provided to the states on per-capita basis.
  • Elderly people will have to pay 5 times more than younger persons and about 67% higher than what they paid for Obamacare.
  • A $108 billion risk-pool fund has been specially set aside for sick patients.
  • Insurers can levy 30% premium surcharge on customers whose coverage has lapsed last year.
  • HSAs may witness nearly twofold increase in annual contribution limits.
  • Medicare surtax and net investment tax on income stand repealed.
  • Children can stay on their parent’s plan till the age of 26 as in Obamacare.
  • Essential healthcare benefits under Obamacare will remain but because of MacArthur Amendment, states can apply and get for waiver from these.
Trumpcare Vs Obamacare - How Does the Proposed AHCA Differ From ACA?

The Trumpcare insurance proposal is still being discussed and not yet in effect. However, there are some big differences between the Trumpcare proposal and Obamacare as are mentioned below.

Frequently Asked Questions

Under Obamacare individual mandate is required. It means every American must get personal and family healthcare needs insured for entire year or else pay penalty. In Trumpcare, there is no individual mandate requirement but rather encourages people to get health insured all throughout the year.

It is a legal as well as policy question that even experts can’t help pondering. But most of them agree that individuals can buy association healthcare policies although it will mean that its impact on Obamacare marketplace could be severe.

Even when you do detailed research, it will still be very difficult to decide the correct option as there are plenty of alternatives to choose from. To make an informed decision on your purchase, it is desirable to seek help.

The American Health Care Act or Trumpcare is supposed to replace the Affordable Care Act or Obamacare. Although it has been voted in favour of way back on the 4th May 2017, it will become a law only after the bill is passed with majority vote by the U.S. senate and signed by the President.

Know more about health terms

  • Obamacare

    "Obamacare" make it convenient for qualified consumers with lower incomes to secure government subsidies for individual and family health insurance policies. To qualify, you just have to make sure that your yearly household income is in the range 100% to 400% of federal poverty level.

  • Pre-existing Conditions

    The term pre-existing conditions implies health problems such as asthma, blood pressure, diabetes or cancer that a policy buyer already has prior to the beginning of the health coverage.

  • Co-Insurance

    The term “co-insurance” refers to the percentage of permissible charges for all health insurance services covered under a policy. These expenses have to be borne by the buyer.

  • Dependent

    The term “Dependent”, refers to child, spouse, parents, relative or any other person to be covered under family health policy. As per IRS rules and regulations premiums for policies purchased under ACA are eligible for tax credit benefits.

  • Special Enrollment Period

    To get enrolled for federal healthcare benefits there is an open enrolment period that is effective from the 1st of Nov. to 15th Dec. Enrolment for ACA plan post the specified time period is called the special enrolment period.

  • Preventative Care

    The term “Preventive Care” refers to the health services needed for preventing illnesses or even diseases. Such services may include counselling sessions, routine healthcare check-ups or family members covered under an ACA plan.

  • Embedded Deductible

    The term “Embedded Deductible” refers to combining of individual & family health insurance deductibles for a family health insurance policy.

  • Non-Embedded Deductible

    A non-embedded or aggregate deductible health insurance plan requires buyer to pay total family deductible amount out of pocket before the coverage begins. Insurer will thereafter start paying for the healthcare services of every individual member covered under the policy.

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