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What We Now Know About the ACA’s Future

For years, people have been speculating about the future of the Affordable Care Act:
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Who needs an insurance mandate?

It’s now been a full year since the individual mandate penalty was reduced to zero, so we wanted to take a quick look at the impact this change could have on the future of the Affordable Care Act.
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ACA decision unlikely before election

On December 18, 2019, a federal appeals court in New Orleans ruled that the Affordable Care Act’s individual mandate is unconstitutional, calling into question the future of the entire law.
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The Cadillac Tax is Finally Dead

After years of lobbying by countless interest groups, Congress has finally killed the dreaded Cadillac tax.
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A Quick Update on All the Health Insurance Lawsuits

This is a weird time in the United States. Republicans and Democrats are at an impasse on healthcare; they can’t seem to agree on anything. But it’s worse than that. Each side seems to hate anything the other side proposes, and with a divided Congress, it’s pretty clear that we aren’t going to see any major bills to fix the current system anytime soon. None that have a chance at passing, anyway.
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What's in Store for the ACA?

A presidential election year can seem like a time of uncertainty. The current President is trying to hang on to his job while other candidates—in this case, a couple dozen other candidates—are busy explaining all the things that they will change if they are able to unseat him. Other elected officials are up for re-election as well, so there are plenty of proposals and promises and criticisms and sound bites. With all of the noise, it’s easy to understand why people are unsure about what will happen in the months and years ahead.
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Making Sense of the New ACA Lawsuit

You may have seen the news that the Department of Justice is no longer defending the Affordable Care Act against a challenge that, now that the penalty is being eliminated, the individual mandate is unconstitutional including certain protections for people with pre-existing conditions. We wanted to provide a quick explanation of what’s going on to help you better explain the developments to your clients.
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Congress Postpones Three ACA Taxes

For the past several years, the insurance industry has been urging Congress to eliminate three unpopular taxes that were designed to help pay for the Affordable Care Act. They finally listened… sort of. While the taxes have not been eliminated, the House and Senate did vote to postpone the Health Insurance Tax (HIT), the tax on High Cost Health Plans, better known as the Cadillac Tax, and the Durable Medical Equipment (DME) Tax. This was part of the January 22 deal to keep the government open for three weeks. The same bill also reauthorized the Children’s Health Insurance Plan (CHIP) for six years.
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Is the ACA Really Dead?

One year into Donald Trump’s presidency, most would agree that his biggest legislative victory is the recently-passed tax reform legislation. Tax reform was a top priority for the new president, and the bill’s passage helps President Trump fulfill an important campaign promise. Two promises actually:
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Status of the Individual and Employer Mandates

When the Affordable Care Act was signed into law nearly eight years ago, there was a lot of criticism about a number of different provisions. Some said that the guaranteed issue rule, while noble in its goal to allow anyone who wants health insurance to buy health insurance, would lead to adverse selection and higher insurance rates. Others said that the premium tax credits and expanded Medicaid would blow up the budget. And still others said that the modified adjusted community rating provision would hurt a carrier’s ability to rate based on risk. Even with all that criticism, it could be argued that the two most controversial and unpopular provisions of the massive health care law were the individual and employer mandates. And now, eight years later, those two provisions are both in the news again.
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