To: Brumar89 who wrote (1097546 ) 11/4/2018 6:49:08 PM From: puborectalis Read Replies (1) | Respond to of 1576956 Outside of the GOP's eight-year crusade to repeal Obamacare, which created the protections, the Trump administration has recently attempted to undermine preexisting condition protections in various ways. Here's a rundown of four different actions taken by Trump or the GOP that would harm the protections: Short-term, limited-duration plans: These plans used to be only available to three months at a time and could not be renewed, but the Trump administration unveiled a rule that will now allow enrollees to stay on the plans for 12 months — re-enroll for up to three years. But these plans do not have to abide by Obamacare's preexisting condition rules, meaning people on these plans could face higher costs if they get sick. Additionally, these short-term plans could pull healthy people out of the Obamacare marketplace, leaving the pool sicker and more costly for insurers to cover. Insiders would then have to raise premiums to cover the Obamacare pool filled with people that need more robust care, including those with preexisting conditions. ( Read more on short-term plans » )New guidance on Obamacare state waivers: On October 22, the administration released guidance on the use of the ACA's state innovation waivers, which were designed to give states the freedom to adjust their markets to bring down premiums. The guidance could allow states to expand the use of non-ACA compliant plans. Additionally — as with short-term, limited-duration plans — the guidance could pull healthier people out of the Obamacare marketplace, making the overall ACA pool sicker and more expensive to cover. ( Read more on the wavier changes» )The Obamacare lawsuit: Possibly the biggest outright threat to the ACA's preexisting conditions protection is a lawsuit filed by Texas Attorney General Ken Paxton and supported by 19 other state attorneys general (including GOP Senate candidates in Missouri and West Virginia) that would effectively repeal Obamacare entirely. Republicans argue that the repeal of the individual mandate in the GOP tax law passed in 2017 invalidates the rest of the ACA, including provisions that protect preexisting conditions. The Trump administration declined to defend the ACA, leaving Democratic state attorneys general to head up the defense. The case is still pending. The GOP healthcare bill: The most high-profile example of the GOP possibly undermining preexisting condition protections were their attempts to repeal and replace Obamacare. While Republicans argue their bill, the American Health Care Act, would have protected preexisting conditions, most experts disagree. The law would have allowed states to receive waivers to create high risk pools in which sicker people could be placed, undermining community rating. The GOP argued they would give states funds to help combat higher costs, but experts generally agreed that the amount of money allocated was far short of what was needed.