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Like for real, the ACA was found to be unconstitutional, or we elected 70 percent Republicans to Congress in 2014 and they passed legislation to overturn it. Everything mandated in the ACA was now left to choice, so for example, an insurance company could choose to allow young people to stay on their parents' insurance until they turn 26, but would not be required to do so.
What do you think insurance companies would do? Do you think it would be an overall positive or an overall negative?
If the ACA was repealed today, there would be millions of people who have insurance that they cannot afford, and millions more who would have their insurance rates jacked up because of pre-existing conditions.
If the Republicans had a plan to replace the ACA, then it would take months, maybe years to implement their plan, if they do at all.
My rates have gone up since ACA implementation, although they were rising years before implementation. I'm still looking for an easing of those rate increases due to the millions more insurance carriers, but it hasn't happened. So, I've consigned myself to the fact that rates will increase whether the ACA is here or not.
i think that current policies wont be affected, as insurance companies will have planned for just such an eventuality. perhaps old policies will be reinstated so that people will have that option again, but somethings have changed that will be hard to overcome, such as hospitals absorbing some private practices, and setting up networks that wont be easily dismantled.
It would revert to what it was before, which was voluntary rather than mandated participation.
Your question would be like asking, after everyone has been forced to buy a new Lexus, what it would be like if we could choose to buy or not buy a car. What is liberty like? You tell me?
Most people's insurance rates would go down substantially.
Lucky them, my rates over the last decade have increased beyond the officially declared inflation rate, and I see no reason why they would decrease over the next few years with or without the ACA.
Most people's insurance rates would go down substantially.
Except for sick people, of course. But that's not the concern of the insurance companies.
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