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States Consider ACA Alternatives

Some state insurance officials are examining what tools they have to ensure their state's insurance market remains functional if the Affordable Care Act (ACA) is repealed. Some measures include creating a state requirement for everyone to buy insurance or giving insurers greater flexibility than the ACA in setting premiums based on age...
December 8, 2016

Some state insurance officials are examining what tools they have to ensure their state's insurance market remains functional if the Affordable Care Act (ACA) is repealed. Some measures include creating a state requirement for everyone to buy insurance or giving insurers greater flexibility than the ACA in setting premiums based on age.


“We’re developing a ‘what if’ scenario. It would be easy for Congress to repeal the law and leave it up to the states to put Humpty Dumpty back together again,” says Washington State Insurance Commissioner Mike Kreidler. He adds that insurance company executives in his state told him during a recent meeting he called that they need to know what the Republican replacement plan will be at the same time they plan to repeal the ACA. Otherwise, he fears insurers will abandon the market in 2018.

Similarly, Iowa’s Republican Insurance Commissioner Nick Gerhartrecently warned, “If the new Congress passes a bill to repeal all of the ACA, I hope that a replacement for the ACA is stapled to that bill. An immediate repeal would lead to devastating consequences in the disruption of people’s care, and create even more uncertainty for millions of Americans.”

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