I live in Texas and I just heard that the Affordable Care Act (ACA) has been struck down by a federal judge in my state. I also heard Trumpcare is here. What does that mean to me and my loved ones about our healthcare coverage?
Yes, Judge Reed O’Connor of the federal district court in the Northern District of Texas held a three-hour hearing in Texas v. United States on September 5, 2018.
This lawsuit challenged the constitutionality of the individual mandate and, with it, potentially, the entire Affordable Care Act (ACA).
The hearing addressed the plaintiffs’ request for a preliminary injunction against some or all of the ACA, and whether to apply it to all or only some states.
U.S. District Judge O’Connor sided with the argument put forward by a coalition of 19 other states, led by Texas, that Obamacare could no longer stand now that there’s no penalty for Americans who don’t buy insurance.
“The Individual Mandate can no longer be fairly read as an exercise of Congress’s Tax Power and is still impermissible under the Interstate Commerce Clause — meaning the Individual Mandate is unconstitutional,” O’Connor wrote. “The Individual Mandate is essential to and inseverable from the remainder of the ACA.”
Without the system being upheld by a wide pool of mandated participants, O’Connor ruled that the ACA cannot stand.
Appeal to the U.S. Supreme Court
The White House said that with the ruling expected to be appealed to the U.S. Supreme Court, the law will remain in place for now.
This ruling will ultimately go to the U.S. Supreme Court, primarily because as it stands right now, the Affordable Care Act is unconstitutional and is law.
The impact of Obamacare on Texas is substantial, even though Texas did not expand Medicaid or create a state exchange.
Until the ACA is addressed by the U.S. Supreme Court, you and your loved ones can access what does exist of Trumpcare including better benefits and better rates. Plus, you can also access better association health plans through Advantage Insurance Advisors.
Short-Term Health Insurance Coverage
Trumpcare is still moving forward. On August 1, 2018, the Centers for Medicare and Medicaid Services (CMS) changed rules that govern short-term, limited duration (STLD) health insurance plans.
CMS (Center for Medicare and Medicare Services) made it possible for people to stay on a short-term ACA (Obamcare) health plan for to up to 364 days. This rule change became effective on October 1, 2018.
These CMS regulation changes give state regulators more freedom to change rules governing short-term health insurance. As a result, the rule changes are being implemented differently within each state, especially in Texas.
Overall, Trumpcare means that you now have different healthcare options for 2019.
Take some time to discuss your healthcare coverage options by phone or schedule a webinar with a licensed healthcare insurance expert. Review the exact healthcare benefits available so you can ask questions.
Call 281.979.5441 or contact us via email to setup a day/time that’s convenient for you to discuss your current health care coverage!
It may be the most informative 2-3 minutes of your life.