It is Important to be Informed about Possible Changes for Health Insurance in 2017

“Your Health Care in 2017:  What You Must Know” an in-depth article that appears in “Parade Magazine”dated December 28, 2016, written by Frank Lalli, provides a detailed account of important points regarding the health insurance industry — before and currently under the Affordable Care Act — including Medicare and Medicaid, and the important changes that could lie ahead in 2017.  

This well-researched article offers a great start for a reader to become informed on this subject which affects all Americans in one regard or another.  

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Kasich urged to fight Obamacare repeal | The Columbus Dispatch

Warning that nearly 1 million Ohioans could lose health coverage, advocates for the poor and disabled urged Gov. John Kasich to oppose a plan by congressional Republicans and President-elect Donald Trump to repeal Obamacare unless they have a replacement.

Source: Kasich urged to fight Obamacare repeal | The Columbus Dispatch

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My thoughts:

I received a memo from my congressman, David Joyce, yesterday.  Look to what Paul Ryan is pushing; something entitled “A Better Way”

http://abetterway.speaker.gov/?page=health-care

Now, HSAs, health savings accounts, are not going to be helpful for those who have low incomes or little to no incomes. 

Also, currently mammograms, colonoscopies, and prostate screenings are fully covered under insurance plans; I don’t believe that benefit will continue under their “Better Way” plan.

Also, subsidies that are currently in place; I didn’t see that in their plan. 

There are reports of going back to the state run high risk pools where historically there have not been subsidies.

Ohio never could set up their own high risk pool. Check out the reports on that from 2005 when Ann Womer Benjamin was the Director of the Dept. of Insurance and it was discussed where it was stated in a September 26, 2005 report:

“State Sen. Lynn Wachtmann the goal is not to deal with the “masses of uninsured.”

http://www.insurancejournal.com/news/midwest/2005/09/26/60166.htm

There is more to consider beyond the guarantee that a person cannot be rejected for getting health insurance due to having pre-existing health conditions.  What about their monthly premiums?  Will their pre-existing conditions work against them to determine what those monthly premiums will be? 

And, then there are the lifetime caps that insurance plans had in place before the ACA was implemented that were eliminated under the ACA.

Folks need to look at all of the individual benefits currently in place in the ACA (AKA Obamacare — yes they are the same — amazingly some folks still think they are not the same!) and then compare to the provisions stated by Republicans and what they are proposing for their replacement plans.  If you don’t see them mentioned, you can’t be sure that they will be part of their plan.  

Those who depend on ACA plans, and it can be anyone who has a low paying job with no employer-sponsored health insurance, need to understand what the changes mean for them.

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For health and dental insurance help in Ohio, please visit:

“Universal Health Care Action Network of Ohio”

http://uhcanohio.org/