{"id":28981,"date":"2017-01-24T17:53:28","date_gmt":"2017-01-25T01:53:28","guid":{"rendered":"https:\/\/cjnotebook.com\/?p=28981"},"modified":"2017-01-24T17:53:28","modified_gmt":"2017-01-25T01:53:28","slug":"consumer-reports-still-sign-aca-health-insurance","status":"publish","type":"post","link":"https:\/\/cjnotebook.com\/?p=28981","title":{"rendered":"Consumer Reports:  Why You Should Still Sign Up for ACA Health Insurance"},"content":{"rendered":"<div class=\"additional-headline-section\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"subhead col-xs-12 col-sm-12 col-md-12 col-lg-12 \">\n<div class=\"subhead-par subhead title\">\n<h2 class=\"subhead\"><span style=\"font-size: 14pt;\">Despite all the proposals for a replacement, nothing will happen immediately<\/span><\/h2>\n<\/div>\n<\/div>\n<div class=\"byline col-xs-5 col-sm-4 col-md-4 col-lg-3 author-and-date\">\n<div class=\"byline-par byline\">\n<div id=\"byline-wrapper\">\n<div class=\"author-name\"><strong><span style=\"font-size: 14pt;\">By Donna Rosato<\/span><\/strong><\/div>\n<\/div>\n<\/div>\n<div class=\"date parbase date-par\"><span style=\"font-size: 14pt;\"><time class=\"published-date\" datetime=\"2017-01-24\">January 24, 2017<\/time><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"headline-divider-phantom-element\"><span style=\"font-size: 14pt;\">\u00a0<\/span><\/div>\n<div class=\"headline-divider\">\n<div class=\"container\">\n<div class=\"row \">\n<div class=\"col-xs-12 col-sm-12 col-md-12 col-lg-12\">\n<hr \/>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"social\"><span style=\"font-size: 14pt;\">\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-28982 alignleft\" src=\"https:\/\/cjnotebook.com\/wp-content\/uploads\/2017\/01\/affordable-care-act-logo-296x300.jpg\" alt=\"affordable-care-act-logo\" width=\"296\" height=\"300\" srcset=\"https:\/\/cjnotebook.com\/wp-content\/uploads\/2017\/01\/affordable-care-act-logo-296x300.jpg 296w, https:\/\/cjnotebook.com\/wp-content\/uploads\/2017\/01\/affordable-care-act-logo.jpg 300w\" sizes=\"auto, (max-width: 296px) 100vw, 296px\" \/>Congressional Republicans are moving quickly to dismantle parts of the Affordable Care Act, but one thing is certain: Consumers will be able to keep their coverage\u2014at least for this year. \u00a0\u00a0<\/span><\/div>\n<div class=\"container content\">\n<div class=\"row\">\n<div class=\"col-lg-8 col-md-8 col-sm-12 nopass\">\n<div class=\"parsys main-content\">\n<div class=\"parbase section text\">\n<div class=\"text-container\">\n<p><span style=\"font-size: 14pt;\">Just yesterday, the first replacement plan to be introduced since President Trump&#8217;s inauguration, the\u00a0<a href=\"https:\/\/www.collins.senate.gov\/newsroom\/cassidy-collins-introduce-comprehensive-obamacare-replacement-plan\">Patient Freedom Act<\/a>, was unveiled in the Senate by Republicans Susan Collins of Maine and Bill Cassidy of Louisiana.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Efforts to undo ACA, also known as &#8220;Obamacare,&#8221; have created a lot of uncertainty for consumers who have already signed up or are still thinking of signing up before the Jan. 31 <\/span>deadline<span style=\"font-size: 14pt;\">.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">For now, at least, policy experts don&#8217;t think consumers need to worry about any major changes taking effect if they have ACA health insurance this year. After that, however, all bets are off.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\u201cFor 2017, people enrolled in an ACA plan should feel confident that they will have coverage,\u201d says Elizabeth Hagan, a senior policy analyst at Families USA, a nonpartisan consumer health advocacy organization.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">So with the enrollment deadline only a week away, Hagan advises people to \u201csign up and get those benefits while they are still available.\u201d\u00a0<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Hagan says that even with major changes expected, most of the replacement plans proposed so far have a transition period. The Patient Freedom Act, for example, gives states two years to put its proposals into motion.\u00a0<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Consumer Reports&#8217; policy and action team will be reviewing the\u00a0<a href=\"https:\/\/www.collins.senate.gov\/newsroom\/cassidy-collins-introduce-comprehensive-obamacare-replacement-plan\">Collins-Cassidy bill<\/a><\/span>,<span style=\"font-size: 14pt;\"> and others that are likely to be forthcoming, to see if they provide consumers the care they need and deserve.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Already, more than <a href=\"https:\/\/www.cms.gov\/Newsroom\/MediaReleaseDatabase\/Fact-sheets\/2017-Fact-Sheet-items\/2017-01-18.html\" target=\"_blank\">8.8 million people<\/a> have signed up for 2017 coverage through HealthCare.gov, and in the first two weeks of January, enrollment was 100,000 higher than the same time last year. Still, worry about the future of Obamacare has left many others unsure about what to do in the short term.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">More than <a href=\"https:\/\/www.cms.gov\/Newsroom\/MediaReleaseDatabase\/Fact-sheets\/2017-Fact-Sheet-items\/2017-01-18.html\" target=\"_blank\">40,000 people have contacted HealthCare.gov\u2019s<\/a> call center to ask whether they should still sign up for coverage.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">In a briefing on ACA enrollment last week, Sylvia Burwell, the outgoing secretary of Health and Human Services in the Obama administration, said people should absolutely sign up. Burwell herself said she will enroll in an ACA plan for her family before the month ends.<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"parbase section text textsection\">\n<h2><span style=\"font-size: 14pt;\">What the Latest Replacement Proposal Means<\/span><\/h2>\n<div class=\"text-container\">\n<p><span style=\"font-size: 14pt;\">Affordable, quality health insurance is a top concern for Americans.\u00a0 A <a href=\"http:\/\/www.consumerreports.org\/consumer-protection\/as-trump-takes-office-what-is-top-of-consumers-minds\/\" target=\"_blank\">Consumer Reports Voices survey<\/a> published last week found that 55 percent of consumers say they are not sure they or their loved ones will be able to afford insurance that will enable them to get good healthcare.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">It\u2019s understandable that people feel uncertain. President Trump has made it clear that he wants to have a replacement plan in place as soon as possible, but details have been sparse.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Trump said a plan would be announced as soon as his nominee to head Health and Human Services, Tom <\/span>Price,<span style=\"font-size: 14pt;\"> is approved by Congress.\u00a0 Price is having a second day of hearings with the Senate Finance Committee Tuesday before a vote is held on his appointment, likely later this week.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Last Friday, Trump issued an <a href=\"http:\/\/khn.org\/morning-breakout\/trumps-executive-order-scaling-back-health-law-injects-uncertainty-in-already-unstable-industry\/\" target=\"_blank\">executive order<\/a> against Obamacare, but it\u2019s unclear exactly what its effects will be. The order is broad, giving federal agencies affected by the ACA the authority to \u201cwaive, defer, grant exemptions from or delay implementing any part of the law\u201d that would impose a burden on individuals, families, health insurance providers, drug makers, hospitals and medical device makers.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">Speaking with reporters after announcing details of the Patient Freedom Act Monday, Senator Collins called the executive order \u201cvery confusing\u201d and <\/span>said<span style=\"font-size: 14pt;\"> \u201cthere are some improvements that can be made through the executive order process and through the regulatory process, but that by no means takes away the need for comprehensive legislation.\u201d<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">As for the Patient Freedom Act,\u00a0it proposes giving states three options: Keep the ACA structure they have; use the federal funding states get now under Obamacare to give consumers money to buy insurance and pay for their own medical care; or refuse federal funding and design and regulate their own health insurance marketplace. The legislation also calls for automatic enrollment in a bare-bones high-deductible health plan that provides catastrophic and prescription drug coverage (you can opt out) but eliminates the requirement for most Americans to have health insurance or face a tax penalty.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">\u201cI don\u2019t think we have any idea yet whether this will become the vehicle to replace the ACA if it gets repealed. But it manifests a very different approach where we might have 50 different health care systems in the country,&#8221; says Ron Pollack, executive director at Families USA. \u201cWhat we do know is that this is likely to result in consumers paying considerably more out of pocket <\/span>then<span style=\"font-size: 14pt;\"> they do today.&#8221;<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"parbase section calltoaction\">\n<div class=\"call-to-action-wrapper\">\n<div class=\"call-to-action-text\">\n<h2 class=\"call-to-action-headline\"><span style=\"font-size: 14pt;\">Do you have ACA health insurance?<\/span><\/h2>\n<p class=\"call-to-action-subhead\"><span style=\"font-size: 14pt;\">Tell us whether you are happy with the plan below.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"parbase section text bulletssection textsection\">\n<h2><span style=\"font-size: 14pt;\">What You Should Know If You Plan to Enroll<\/span><\/h2>\n<div class=\"text-container\">\n<p><span style=\"font-size: 14pt;\">For now, if you need health insurance through the ACA exchanges for 2017, here\u2019s what you should know.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>There are several ACA enrollment opportunities. <\/b>If you want to <a href=\"https:\/\/www.healthcare.gov\/\" target=\"_blank\">sign up for a new plan or switch<\/a> the one you\u2019re in, you must do it by January 31st. You can sign up for all Affordable Care Act health plans through the website, <a href=\"https:\/\/www.healthcare.gov\/\" target=\"_blank\">healthcare.gov<\/a>, or through your <a href=\"http:\/\/obamacarefacts.com\/state-health-insurance-exchange\/\" target=\"_blank\">state&#8217;s health marketplace<\/a> website.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">The coverage will take effect March 1st. There are <a href=\"https:\/\/www.healthcare.gov\/coverage-outside-open-enrollment\/special-enrollment-period\/\" target=\"_blank\">special enrollment periods<\/a> for individuals facing certain circumstances, such as moving, getting married, having or adopting a baby, or losing your employer-based coverage. If you qualify for <a href=\"https:\/\/www.healthcare.gov\/medicaid-chip\/getting-medicaid-chip\/\" target=\"_blank\">Medicaid or the Children\u2019s Health Insurance Program<\/a> (CHIP), you can enroll at any time during the year.<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>Your policy can\u2019t be cancelled.<\/b> If you do enroll, there is no risk that your policy will be <\/span>cancelled<span style=\"font-size: 14pt;\"> during 2017, says Tom Baker, a professor of law and health sciences at the University of Pennsylvania Law School. &#8220;These are health insurance contracts governed by state law,&#8221; Baker says. &#8220;The contract is for a year and the insurance company is not going to be able to raise the price or do anything during the year.&#8221;<\/span><\/p>\n<p><span style=\"font-size: 14pt;\"><b>You may qualify for financial assistance.<\/b> Even with the ACA, health insurance is expensive. Premiums have risen sharply in the past year and many people are in\u00a0<a href=\"http:\/\/www.consumerreports.org\/health-insurance\/high-deductible-health-plan\/\">high-deductible health plans<\/a>, which require you to spend a big chunk of your own money before insurance coverage starts to kick in. The average premium for Silver plans (the most common plan people sign up for) is up 17 percent this year from 2016. \u00a0But about 85 percent of people on ACA plans <a href=\"https:\/\/www.healthcare.gov\/lower-costs\/save-on-monthly-premiums\/\" target=\"_blank\">qualify for tax credits<\/a> that can be paid directly to your insurance provider to cover premiums. People in Silver plans might also be able to get <a href=\"https:\/\/www.healthcare.gov\/glossary\/cost-sharing-reduction\/\" target=\"_blank\">cost-sharing subsidies<\/a> to cover out-of-pocket costs.<\/span><br \/>\n<span style=\"font-size: 14pt;\">\u00a0<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"image parbase section\"><span style=\"font-size: 14pt;\"><img decoding=\"async\" class=\"img-circular\" src=\"http:\/\/article.images.consumerreports.org\/prod\/content\/dam\/cro\/news_articles\/money\/Editor%20Images\/CR-Money-Author-Donna-Rosato-02-16.jpg\" alt=\"Donna Rosato\" \/><\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"col-sm-12 col-md-8 clearfix\">\n<div class=\"aboutauthor-par aboutauthor parbase\">\n<div class=\"about-author-wrapper clearfix\">\n<div class=\"author-text\">\n<p class=\"name\"><span style=\"font-size: 14pt;\">Donna Rosato<\/span><\/p>\n<p><span style=\"font-size: 14pt;\">I write about the financial challenges of paying for college, managing higher-education debt, and the steep cost of healthcare. I want to help people take control of their finances so that they can enjoy the other parts of their life. What I enjoy: running with friends, kayaking with my husband, and playing Legos with my son. Follow me on <a href=\"https:\/\/www.twitter.com\/RosatoDonna\" target=\"_blank\">Twitter<\/a>\u00a0(@RosatoDonna).<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Despite all the proposals for a replacement, nothing will happen immediately By Donna Rosato January 24, 2017 \u00a0 \u00a0Congressional Republicans are moving quickly to dismantle parts of the Affordable Care Act, but&#8230;<\/p>\n","protected":false},"author":1,"featured_media":28167,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,124],"tags":[],"class_list":["post-28981","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-main-slider","category-tips-trivia-and-tidbits"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Consumer Reports: 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