The main provisions of the RSC plan include:
- Unwinding ACA’s “Washington-centric approach” and returns most of the regulatory authority back to the states;
- Undoing ACA’s expensive and mandatory essential health benefits, annual lifetime limits, preventive care with no cost-sharing, dependent coverage, and metal actuarial tiers (bronze, silver etc.), and allows states to prescribe these principles;
- Not allowing insurance carriers to rescind, increase rates, or refuse to renew a person’s health insurance if they should develop an illness after enrollment;
- Allowing individuals with chronic and risky medical conditions to have access to affordable state-run Guaranteed Coverage Pools, subsidized by federal grants;
- Restructuring the guaranteed issue and prohibition on coverage exclusions to reward continuous coverage and promote portability in the individual marketplace;
- Restructuring ACA premium subsidies and Medicaid Expansion federal matching programs to fund state-administered grants to subsidize health insurance for low-income individuals, while protecting the medically vulnerable, such as low-income pregnant woman and children, that Medicaid was created to help;
- Changing the tax code to provide for equal treatment of employer and individual health insurance markets;
- Expanding the use of pre-tax Health Savings Accounts (HSA), including using them to pay for insurance premiums, and increases allowable yearly contributions from $3,500 to $9,000 for individuals and from $7,000 to $18,000 for families;
- Extending portability protections (contained in the 1996 Health Insurance Portability and Accountability Act for employer-sponsored health insurance) to the individual market;
- Eliminating the employer mandate; and
- Promoting the use of innovative healthcare solutions such as telemedicine, direct primary care, association health plans, and health sharing ministries.
The proposal provides a good overview of the problems that Obamacare caused, such as sky-high premiums and forcing people to buy health insurance plans that contain mandatory benefits they did not want or need, such as a single man paying for maternity care. It explains how Obamacare has distorted the job market with the employer mandate and how Medicaid Expansion hurt the vulnerable by extending the program to abled-bodied individuals without dependents that compete with traditional Medicaid recipients, such as poor, pregnant women, looking for care.
The RSC healthcare reform proposal is a strong and effective antidote to "Medicare for All" that would cost $32 trillion in new taxes and force everyone into a government-run system.
The next time you hear someone say the Republicans have no plan to improve healthcare, you can tell them they are wrong and point to the RSC plan.
https://mikejohnson.house.gov/media/in-the-news/republican-plan-health-care