This week, the U.S. Senate passed the American Health Care Act, or AHCA, an overhaul of the nation’s health care system.
The Senate vote was 98-1, and the bill will now go to the House.
The bill would replace key elements of the ACA with its replacement, which will include some of the provisions the ACA was designed to eliminate.
But it would also provide more support for states to expand Medicaid, as well as make significant changes to Medicare, the nations largest health insurance program for the elderly and disabled.
These changes would make it harder for Americans with pre-existing conditions to access insurance.
Here’s what you need to know about the health care bill.
What does it do?
The AHCA will take several key steps to address concerns raised by Americans about the Affordable Care Act.
The most significant of these are the elimination of a ban on insurance companies denying coverage to people with preexisting conditions and the provision of a “public option” to offer private insurance.
In addition, the AHCA would expand Medicaid eligibility to people who make less than 400 percent of the federal poverty level.
Those with incomes up to 400 percent would be eligible for Medicaid.
The Medicaid expansion would be available to people earning up to 138 percent of poverty.
These people would get federal tax credits to help cover their premiums.
In some states, these tax credits would be phased out over time.
In states that expanded Medicaid, these credits would have a longer phaseout period.
In addition, while the ACA required insurers to cover a range of services, the ACA would provide a mechanism for states and insurers to decide whether to cover certain services or not.
Under the AHA, states and insurance companies could choose not to cover services and insurers would be allowed to charge people more for them.
States could also decide to opt out of some provisions of the Affordable Act that would affect premiums, including:The AHA would also give states a new power to set their own rules for how they set up health care networks, and to impose requirements on insurance plans, like high-risk pools, that people with preexisting conditions cannot participate in.
States also could choose to opt into some provisions like the Patient Protection and Affordable Care Acts (PPACA) that would expand insurance coverage to more people with chronic conditions and people with disabilities.
The AHA also would give states the option of allowing insurers to charge more for those with pre‐existing conditions, but states would be limited to charging as much as they do now.
Finally, states could choose whether to waive the requirement that they offer coverage to anyone who is older than 65.
Under a proposal put forward by Sen. Ron Wyden, D-Ore., states would still have to provide coverage to all older people who qualify for the ACA’s Medicaid expansion.
In the Senate, Sen. John Barrasso, R-Wyo., who chairs the Senate health committee, has expressed concern that the AHAs expansion of Medicaid would lead to an explosion of health care costs for Americans and lead to a loss of coverage for Americans at lower income levels.
Under this proposal, states would have to decide who qualifies as a low income, and those who don’t qualify would be offered subsidies to purchase private insurance, which would be paid for by a tax credit.
In other words, the tax credit would cover people with income up to 150 percent of median income.
The AHAs Medicaid expansion also would have the effect of increasing premiums for some Americans with preexsisting conditions.
Under current law, most people with insurance have to pay their full premium when they have a preexisitve condition.
But under the AHAS, the state that has the largest share of Americans with health insurance, like California, would have an option to offer lower premiums for people with the condition that the state considers pre-existing.
The bill would also expand Medicaid to cover children and the disabled, and will set up the system to give states more flexibility in managing health care spending and ensuring adequate funding for medical care providers.
In his speech announcing the AHC’s passage, Sen