How ACA repeal could affect people with employer-based insurance

With repeal and replacement of the ACA promised by President-elect Donald Trump, other aspects of the law beyond the health insurance marketplaces and Medicaid expansion could be eliminated, affecting individuals with employer-based insurance.

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Other portions of the law, like a ban on maximum lifetime limits for health insurance, could be scrapped if the law is repealed, according to the Chicago Tribune. Other parts of the law affecting those with employer-based insurance include requiring companies with 50 or more employees to offer health insurance, keeping children on parents’ health plans until children are age 26 and free preventive services like flu shots and health screenings.

Another part of the law — the elimination of pre-existing conditions — is less likely to affect people with employer-based insurance if the law is repealed, according to the report. Prior to the ACA, a different federal law often prevented employers from withholding health plans from individuals with pre-existing conditions.

While Republicans may not be able to immediately fully repeal the health law, some observers anticipate Republicans will pass a reconciliation bill eliminating specific parts of the law while a replacement is devised, Chicago Tribune reports.  

More articles on payer issues:
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True Health Diagnostics partners with insurers to curb costs for chronic disease detection, management

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