Levitt said the changes that take effect in January could have a larger impact down the road if they cause fewer healthy people to pay into the exchanges. If the Senate remains closely divided between parties, as appears likely, Congress can't repeal the Affordable Care Act (or "Obamacare") because it would take 60 votes to end debate and vote to undo all ACA regulations. "It's a relief for the many people who were priced out of the system".
"From a consumer perspective, the experience should be pretty good", Kelley Turek, a policy specialist at America's Health Insurance Plans, told Axios. This means some rules, like protections for people with preexisting conditions, won't be undone any time soon.
Some consumers may have heard about the repeal and surmised that the ACA itself is dead; it isn't. A deductible is the amount of money you have to pay out of pocket until your insurance company starts picking up the claims.
Fox says these plans could lead to a patchwork of coverage standards, similar to what existed before the ACA created national standards in the individual market. One bill created a state-based "individual mandate", or income-tax penalty for those who could afford coverage but did not purchase it; its goal is to replace a similar federal requirement that will expire this year. "We want to make sure consumers are aware of all their options".
"We found that a lot of people who come in to get health insurance through us actually didn't come in because of the mandate", she says. ICT is aiming for 5,000 sign-ups this year, just below their 5,300 total from last year.
Even so, other experts believe concerns that Obamacare would enter a death spiral seem less plausible. Under that bill, states could have also allowed insurers to sell lower-cost policies that covered fewer services.
Despite the marketplace's stability, Hattemer says, individual plans may have changed in price.
CMS' Verma has argued that navigators are less needed now that Americans have had time to become familiar with ACA marketplaces. A person can't be denied health insurance because of a pre-existing condition anymore.
"Through my ENROLL Act, we can ensure that our neighbors keep receiving help finding the right health insurance plan for them". But the ACA is still the law of the land and financial assistance is still available for low and middle-income consumers.
Nor does ICT recommend these plans. Her team is well-versed in helping people with conditions like cancer, diabetes, and HIV find insurance that is affordable, comprehensive, and the best match for their needs.
"Today we are thrilled - and I say that with every bit of passion I can muster - to finally stand here in 2018 in partnership with the state of New Jersey", said Maura Collinsgru, healthcare program director for Citizen Action, a longtime champion of the law. These short-term plans allow for coverage to fill temporary coverage gaps.
North Carolinians who are already enrolled in a HealthCare.gov plan will automatically get re-enrolled in 2019 coverage, but navigators are urging consumers to check back in to see if a more suitable plan is available. It also features a list of frequently asked questions, links to the nonprofit navigators working to help consumers face-to-face, and other resources to help residents better understand their options under the law.
The penalty attached to the individual mandate - the official name for the requirement that you buy insurance - goes away for 2019.
South: 2600 W. Stassney, 737/717-4000, Mon.
North: 5900 Airport, 737/717-4001 (with Health Alliance for Austin Musicians), Mon. -Wed., 10am-7pm; Thursday., 10am-4pm; Friday.