Trump agrees to let insurers sell cheaper health plans than ObamaCare

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"There's a clear case of premeditated destruction of the Affordable Care Act", Zach Klein, Columbus city attorney, told NBC News.

Insurers will again be able to sell short-term health insurance good for up to 12 months under final rules released Wednesday by the Trump administration.

HHS officials said current law allows the plans to have this longer shelf life, although critics are likely to argue that - when you factor in the renewal option - a plan that lasts three years can not be considered short-term. Insurers will soon be allowed to sell these policies for just under a year. And there's no federal guarantee short-term coverage can be renewed. In fact, these plans look a lot like the often all-but-useless private health plans that littered the individual market before the ACA reined in predatory and discriminatory insurance industry practices. "If there's ever going to be a violation of the "take care" clause, this is it". That would allow insurers to keep marketing the plans, instead of throwing the entire regulation into doubt. These plans won't have to cover as many medical services and are exempt from covering people with pre-existing conditions. According to a report by the National Association of Insurance Commissioners, the policies paid out an average 55 percent of their premiums in actual health care previous year. What was your experience?

Officials are hoping short-term plans will fit the bill. They can include dollar limits on coverage and there's no guarantee of renewal. And, unlike Obamacare policies, they don't have to cap consumers' cost-sharing burden at $7,350 for 2018.

But those who actually need care could find themselves having to pay more out of pocket for treatment and medications.

Loosening Obamacare's rules protecting those with pre-existing conditions also risks a backlash from the public since these protections are among the health reform law's most popular provisions.

Democrats immediately branded Trump's approach as "junk insurance", and a major insurer group warned that consumers could potentially be harmed.

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Four cities filed a federal lawsuit Thursday against the Trump administration, claiming the president is intentionally undermining the Affordable Care Act and violating a Constitutional duty to "faithfully execute" existing law.

"People who have already jumped off the sinking ship are looking for the right boat in the water for them", Haislmaier said.

"We make no representation that it's equivalent coverage", Parker said. They usually exclude coverage for critical health services that consumers have come to expect their policies to cover.

Administration officials estimate plan premiums could be half the cost of the more comprehensive ACA insurance.

Short-term plans have been a niche product for people in life transitions, people switching jobs, people retiring before Medicare eligibility or people aging out of parental coverage. The market could grow to 1.6 million over time. "These plans aren't for everyone, but they can provide a much more affordable option for millions of the forgotten men and women left out by the current system".

The lawsuit cited several actions Trump's administration has taken to undercut Obamacare.

However, these plans also don't have to adhere to all of Obamacare's rules, particularly the one requiring insurers to offer comprehensive coverage.