TABLE How Recent Bills Would Undo Obamacare 2018 House Senate Repeal Billi Action Bil ¢AHCA) _cBCRA) |_ (CH) REGULATORY REFORM ‘States can get a waiver to exempt insurers from several provisions, ‘of which the ones mos ikely to effect premiums are those that + Limit enrollee cost-sharing (deductibles and co-pays) + Impose federal standards for qualified health N N y | ow plans sold onthe Obamacare exchange + Require insurers to treat enrollment both on and off the exchange {asa single risk poo for individual plans and for small group plans Allows tates to get a waiver to restructure thei indivial market tax credits and theirinsurance exchanges “ " y States can waive “essential health benefits" package that individual and small . ‘group plans must ofer so that they can create lower premium plans S u vey Repeal actuarial value mandate " y y | Repeals minimum macical los rato mandate N N y N Repeal prohibition on insurers varying premiums . . by age using a ratio of greater than 31 . we x Incentivizes continuous coverage N ee N FINANCING REFORM Eliminates individual and employer tax penalties Y Y Y v Repeal taxes onhealtn insurance, drugs, and mesial devices y y y " Repeal all nn-healthcare taxes y y N N Repeals Cadillac Tax on “high-cost” employer plans y N N N Caps employer plan tax exclusion (similar to other benefits ike 401K) N N N N Improves Heath Savings Accounts? Y y r Y Repeal cost-sharing subsidies y y y y MEDICAID REFORM Reforms Medicaid financing through per-capita federal funding approach N Y y Y Phases out Medicaid exparsion and returns focus of Medicald tothe elderly, cisabled,chiltren, and pregnant women in poverty by removing Y i y y ‘Obamacare's higher reimbursements for able-bodied adults Notes: 2 Simplifies requkement far states obtaining Sec. 1852 wavers = Through Sec. EZ state waiver (¢— Sals net default lof 1 and states can opt toa ther wn ralos <4 — Deut 30 percent premium surcharge and option fr state valve to use haath talus rete premiums fr those without Continuous coverage ‘e— Sicmorth wali period before coverage takes effet for those nau controus overage SOURCE: Heritage Foundation research, ‘1 lteaves net iestment come tax, the addonal Medicare Heath surance CH) Tax, andthe rerrunerton taxon excite compensation or certan heath rsurance executives ‘9 Allon higher contribution and purchasing over the counter ‘rugs trough account hh Alsoalows viduals to use account funds to pay premiums 1 Pronges new sate tabity tunde |= Would etmnate the Ozamacare medial dave tax but other ‘Obamacae taxes would remain pace heritage ors