Here’s what health care looks like if Republicans’ Obamacare ‘repeal and delay’ plan succeeds – Washington Post
Things have gone from bad to worse for the Republican effort to dismantle the Affordable Care Act, also known as Obamacare. On Monday night, Sen. Mitch McConnell (R-Ky.) lacked the votes to pass a bill that would undo much of Obamacare and replace the law with a modified system. But the majority leader's back-up plan -- repealing Obamacare entirely right away, with the goal of working out a replacement later -- appears no more likely to succeed.
The dilemma for Republicans contemplating McConnell's new strategy -- repealing the law immediately and figuring out what to do next later -- is that Democrats may be able to stop them from carrying it through. While many Republicans would like to repeal Obamacare wholesale, they can't overcomeDemocrats' opposition without keeping in place somecrucial components of Obamacare.
The GOP can't just repeal every word of Obamacarebecause, in orderto avoid a filibuster by Democratic senators, Republicans are using a special set of rules known as reconciliation. Reconciliation makes legislation easier to pass, as it would allow the GOP to move the measure with just 50 votes and Vice President Pence's tie-breaker,rather than the 60 votes typically needed to break a filibuster.
The power has its limits, however. Reconciliation is only supposed to be used for measures that directly affect the federal budget. In this case, that meansundoing some of Obamacare'staxes, fees, subsidies and safety net programs for the poor but leaving in place a series of health-insurance regulations and other features.
Republicans already did a dress rehearsal for this last year, whenthey used reconciliation to pass a bill through the Senate. That bill eventually died when it was vetoed by President Barack Obama, but now McConnell is advancing it again.
It's unlikelyMcConnell has the votes to the bill passed this time around. Short of a complete repeal, Republicanswould risk creating something nobody in either party would support. Withparts of Obamacare gone, some elements still in force and no new system to replace the law, patients and doctors would be left with a mishmash of incompatible regulationsand requirements that would threaten to destabilize the health-insurance market and leave millions without coverage.
"It would throw the marketplace into chaos," said Stan Collender, a former congressional aide to Democratic lawmakers who worked on both the House's and Senate's budget committees.
Already, three Republicans -- Sens. Shelley Moore Capito (W.Va.), Susan Collins (Maine) and Lisa Murkowski (Alaska) -- have said they will not support McConnell's new strategy. Their combined opposition will probably prevent him from moving forward, although McConnell said Tuesday he plans to hold a procedural vote next week all the same.
Here's why some Republicans are skeptical.
Republicans woulduse reconciliationto eliminatetaxes on the wealthy, on insurance providers and on medical companies.
They would also strike down arequirement that all Americans maintain health-care coverage orelse pay the federal government a fee-- a controversial part of the law known as the "individual mandate." Republicans would eliminate another rule that requires majoremployers to offer an insurance program for their workers.
Republicans can also modify spending. Thebill that McConnell aims to revive from last year would eliminate Obamacare's subsidies for people attempting to buy private health insurance.
Also, Obamacare increased funding for Medicaid, the federal insurance program that covers many poor households, pregnant women and residents of nursing homes. The GOP bill would undo that expansion.
Because these provisions apply to federal taxes and spending, Republicans can eliminate them throughreconciliation. At the same time, other parts of the law would stay.
For instance,Republicans would likely be unable to remove protections forconsumers with preexisting medical conditions who are trying to buy private insurance -- a crucial component ofObamacare. Likewise, insurers would remain unableto charge people depending on where they live or whether they smoke.
Insurers wouldstill be required to offer certain benefits as part of their plans, as they are under Obamacare, andlimits on how much more they can charge older customers would remain in effect.
In short, the legislation would preserve some rules from Obamacare, while eliminating much of the rest of the law. The odd combination could result in serious problems, industry analysts warn.
Before Obamacare, for example, insurance companies were free to charge patients more if they had preexisting conditions, or to deny those customers coverage entirely. That practice existed to ensure that private insurers could break even. Without some way of discouraging the sickest patients from seeking coverage, the cost of treatment would increase uncontrollably.
Obamacare ended that practice, prohibiting insurers from discriminating against patients based on their medical histories. Instead, Obamacare required all Americans to maintain coverage and offered subsidies to encourage them to do so. The goal was to guarantee that insurers would have enough healthier customers paying monthly premiums to cover costs for sicker patients.
The bill McConnell will hold a vote on next week would get rid of that financial assistance and the requirement. Yet it would not allow insurers to examine their customers' medical histories again. Most experts believe that language undoing Obamacare's protections for patients with preexisting conditions would not qualify under reconciliation.
As a result, the only legislation Republicans might be able to pass would restore the system that existed before Obamacare, but without a crucial feature that allowed that system to function.The resulting mismatch -- between rulesDemocrats established under Obamacare and those that existed before --couldprove an embarrassing failure for GOP lawmakers.
"The market could literally disappear entirely," said Edwin Park, a vice president forhealth policy at the liberal Center on Budget and Policy Priorities.
That, in essence, is whatmany analysts are projecting for a GOP bill that partially repeals Obamacare without a replacement.
Insurers would hike premiums to cover the steeper cost of providing health care to a sicker group of patients. Only patients with serious medical problems would be willing to pay those costs, so healthier patients would cancel their policies. In turn, insurers would be forced to increase premiums even more, and so on.
In an analysisin January, the nonpartisan Congressional Budget Office (CBO) forecast that simply repealing Obamacare without a replacement would eventually result in 32 million more Americans going without coverage. Almost immediately, premiums would skyrocket, increasing by 20 percent to 25 percent in the first year on average.
Companies would refuse to sell insurance across swathes of the country because so few patients would be willing to pay the exorbitant premiums insurers would have to charge to turn in a profit while covering a large group of relatively unhealthy patients. In those areas, Americans would have no options for buying private insurance if they did not receive it through the government or an employer. About 10 percent of Americans would live in these areas in the first year, CBO estimated.
If Republicans failed to come up with an alternative system, that figure would eventually increase to 75 percent of thepopulation, while premiums in the individual market would double.
See the article here:
Here's what health care looks like if Republicans' Obamacare 'repeal and delay' plan succeeds - Washington Post
- Mike Johnson set to huddle with Indiana Republicans amid redistricting fight - Politico - November 28th, 2025 [November 28th, 2025]
- Republicans seek severe immigration crackdown over D.C. shooting: "Deport them all. Now." - Axios - November 28th, 2025 [November 28th, 2025]
- Young Republicans want Texas to ban IVF. We can't let them. | Editorial - Houston Chronicle - November 28th, 2025 [November 28th, 2025]
- After weathering a blue wave, Republicans maintain grip Rensselaer County politics - Times Union - November 28th, 2025 [November 28th, 2025]
- House Republicans join Democrats in effort to repeal Trumps unprecedented union-busting executive order - The Labor Tribune - November 28th, 2025 [November 28th, 2025]
- Judges allow North Carolina to use a map drawn in bid to give Republicans another US House seat - Newsday - November 26th, 2025 [November 26th, 2025]
- House Republicans Slam Witkoff Over Handling of Russia-Ukraine Talks - Foreign Policy - November 26th, 2025 [November 26th, 2025]
- Judges allow North Carolina to use a map drawn in bid to give Republicans another U.S. House seat - PBS - November 26th, 2025 [November 26th, 2025]
- Republicans consider quitting Congress early over death threats and infighting - Axios - November 26th, 2025 [November 26th, 2025]
- Republicans Fight With Trumps Team Over Ukraine Talks - The New York Times - November 26th, 2025 [November 26th, 2025]
- Indiana Republicans may have to break with their rules to redistrict. Can Democrats stop them? - IndyStar - November 26th, 2025 [November 26th, 2025]
- Once Foes of Obamacare, Some Republicans Push to Protect It - The New York Times - November 26th, 2025 [November 26th, 2025]
- Are Republicans in Indiana caving to President Trump's redistricting demands? - CNN - November 26th, 2025 [November 26th, 2025]
- Most Democrats and one-third of Republicans think its likely the U.S. will get into a nuclear war in the next decade - YouGov - November 26th, 2025 [November 26th, 2025]
- Opinion: Republicans hope the Supreme Court will help them hold the House - Chattanooga Times Free Press - November 26th, 2025 [November 26th, 2025]
- Obamacare premiums are skyrocketing. Republicans cant figure out what to do. - Politico - November 26th, 2025 [November 26th, 2025]
- Facing Threats and Intimidation, Indiana Republicans Will Vote on Redistricting - Democracy Docket - November 26th, 2025 [November 26th, 2025]
- Is the price of doing this worth it?: North Carolina Republicans worry about Trump immigration raids - Politico - November 26th, 2025 [November 26th, 2025]
- How Democrats and Republicans are rethinking the goal of government under Trump - NPR - November 26th, 2025 [November 26th, 2025]
- The Clock Is Ticking For Republicans To Overhaul Health Insurance - Investopedia - November 26th, 2025 [November 26th, 2025]
- Its Not Just MTG: Other Republicans in Congress Are Reportedly Eyeing an Exit - Vanity Fair - November 26th, 2025 [November 26th, 2025]
- Republicans want comprehensive oversight of Michigans 2026 election. What does that mean? - Michigan Advance - November 26th, 2025 [November 26th, 2025]
- Some Republicans want to try to pass another mega-bill on health care - The Washington Post - November 26th, 2025 [November 26th, 2025]
- Article | Trump was going to roll out a health care plan. Then Republicans weighed in. - POLITICO Pro - November 26th, 2025 [November 26th, 2025]
- Why Republicans Are Fighting About the Nazis - The New York Times - November 26th, 2025 [November 26th, 2025]
- Trump's Chummy Embrace Of Mamdani Is 'Sabotaging Himself And Republicans': GOP Strategist - Forbes - November 26th, 2025 [November 26th, 2025]
- From The New York Times Opinion Section Only Republicans have a plan for A.I., David Byler writes. Democrats, at best, have concepts of a plan. And if... - November 26th, 2025 [November 26th, 2025]
- Trump seizes control of Republicans' 2026 election strategy with his presidency on the line - Yahoo - November 26th, 2025 [November 26th, 2025]
- Georgia Republicans and the Trump Administration Are Working to Undermine the 2026 Elections - Democracy Docket - November 26th, 2025 [November 26th, 2025]
- Trumps gambit to save Republicans from a giant health insurance spike comes with a $50 billion price tag, CRFB estimates - Fortune - November 26th, 2025 [November 26th, 2025]
- Why health savings accounts arent the fix Republicans hope for - The Washington Post - November 26th, 2025 [November 26th, 2025]
- Its not just Marjorie Taylor Greene: The Republicans considering quitting over Trump - Yahoo - November 26th, 2025 [November 26th, 2025]
- Democrats make a new offer to end the shutdown, but Republicans aren't buying it - NBC News - November 7th, 2025 [November 7th, 2025]
- The Republicans Warning They Have a Problem - The New York Times - November 7th, 2025 [November 7th, 2025]
- LEADER JEFFRIES ON MSNBC: DONALD TRUMP AND REPUBLICANS HAVE DECIDED TO WEAPONIZE HUNGER AND STARVATION Congressman Hakeem Jeffries - Congressman... - November 7th, 2025 [November 7th, 2025]
- Democrats consider prolonging the government shutdown as Republicans prepare new bills without health care fix - ABC7 Los Angeles - November 7th, 2025 [November 7th, 2025]
- Democrats consider prolonging the shutdown as Republicans prepare new bills without health care fix - abcnews.go.com - November 7th, 2025 [November 7th, 2025]
- Republicans are losing this key voting bloc. Here's why. - USA Today - November 7th, 2025 [November 7th, 2025]
- Republicans Block Measure to Bar Military Strike on Venezuela - The New York Times - November 7th, 2025 [November 7th, 2025]
- Republicans are losing support from Latinos in Colorado as voters voice dissatisfaction with immigration, inflation efforts - Post Independent - November 7th, 2025 [November 7th, 2025]
- Senate Republicans Reject Measure to Block Military Action in Venezuela - WSJ - The Wall Street Journal - November 7th, 2025 [November 7th, 2025]
- Senate will vote Friday to advance shutdown-ending deal, Thune tells Republicans - Politico - November 7th, 2025 [November 7th, 2025]
- EDITORIAL: Stuck on Stupid-How Annapolis Republicans Turned Another Election Into a Self-Inflicted Rout - Eye On Annapolis - November 7th, 2025 [November 7th, 2025]
- Article | Key Republicans waver ahead of war powers vote - POLITICO Pro - November 7th, 2025 [November 7th, 2025]
- Charlotte GOP lost big on election night. Is it final nail in coffin for Republicans? - Charlotte Observer - November 7th, 2025 [November 7th, 2025]
- Republicans must nuke filibuster now or Democrats will do it when they regain power, Trump warns - Washington Examiner - November 7th, 2025 [November 7th, 2025]
- Trump and Republicans admonish others for their election losses - Politico - November 5th, 2025 [November 5th, 2025]
- Republicans think the shutdown is about to end. They could be dead wrong. - MSNBC News - November 5th, 2025 [November 5th, 2025]
- Trump says election results not good for Republicans, citing 2 possible reasons - Fox News - November 5th, 2025 [November 5th, 2025]
- Republicans Just Lost a Statewide Election in Pennsylvania. What Does That Mean for the Future? - Slate - November 5th, 2025 [November 5th, 2025]
- California Republicans thought they could beat Newsom's gerrymander. They crashed and burned. - Politico - November 5th, 2025 [November 5th, 2025]
- In an Upset, Democrats Oust Two Republicans on Georgias Utility Board - The New York Times - November 5th, 2025 [November 5th, 2025]
- Democratic election wins send Trump and Republicans a message: Americans blame them for government shutdown - The Conversation - November 5th, 2025 [November 5th, 2025]
- Kansas Young Republicans' racist texts show how far the party has strayed from its noble roots - Kansas Reflector - November 5th, 2025 [November 5th, 2025]
- Republicans Reprise Unfounded Claims of Widespread Election Interference - The New York Times - November 5th, 2025 [November 5th, 2025]
- Remember the hateful Young Republicans group chat? It's the tip of the iceberg. | Opinion - USA Today - November 5th, 2025 [November 5th, 2025]
- Trump urges Republicans to kill filibuster, warning they'll lose if they don't - Politico - November 5th, 2025 [November 5th, 2025]
- Rosen: Trump, Republicans feast while SNAP, health benefits on the line - Nevada Current - November 5th, 2025 [November 5th, 2025]
- Video Republicans need to 'think about what happened': GOP strategist - abcnews.go.com - November 5th, 2025 [November 5th, 2025]
- How Republicans are planning to win the 2026 midterms without Trump on the ballot - abcnews.go.com - November 5th, 2025 [November 5th, 2025]
- Trump Orders Republicans to Approve His Sinister Plan to Rule Forever - The Daily Beast - November 5th, 2025 [November 5th, 2025]
- Enfield Democrats upend Republicans, Vernon's GOP mayor reelected and more 2025 election results - CT Insider - November 5th, 2025 [November 5th, 2025]
- In Redistricting Battles, Heres How Trump, Republicans and Democrats Are Faring - The New York Times - November 5th, 2025 [November 5th, 2025]
- Trump says this is what Republicans need to do next following election defeats - MLive.com - November 5th, 2025 [November 5th, 2025]
- Why Republicans had a 'math problem' in off-year election - Fox News - November 5th, 2025 [November 5th, 2025]
- Poll: Republicans shoulder more shutdown blame, as signs of voter irritation with both parties pile up - NBC News - November 3rd, 2025 [November 3rd, 2025]
- Republicans argue big-hearted president Trump is keen to end shutdown - The Guardian - November 3rd, 2025 [November 3rd, 2025]
- Republicans re-up trans attacks on Dems that worked for Trump in 2024 - The Washington Post - November 3rd, 2025 [November 3rd, 2025]
- Republicans Claim They Have a Healthcare Plan. But They Wont Tell You Whats in It - Rolling Stone - November 3rd, 2025 [November 3rd, 2025]
- Virginia Republicans rally in Hanover ahead of Election Day, highlighting work since 2022 - WRIC ABC 8News - November 3rd, 2025 [November 3rd, 2025]
- Ted Cruz to Jewish Republicans: Antisemitism is an existential crisis in our party - The Times of Israel - November 3rd, 2025 [November 3rd, 2025]
- Obama says it's 'like every day is Halloween' as he blames Republicans for government shutdown - Fox News - November 3rd, 2025 [November 3rd, 2025]
- House Republicans exploring ways to prevent Mamdani from being sworn in as NYC mayor if he wins on Election Day - New York Post - November 3rd, 2025 [November 3rd, 2025]
- Opinion: Republicans keep winning. Sand hopes to change the game - thegazette.com - November 3rd, 2025 [November 3rd, 2025]
- President Trump, House Speaker Johnson, others address Las Vegas meeting of Jewish Republicans - Las Vegas Review-Journal - November 3rd, 2025 [November 3rd, 2025]
- Obama blasts Trump ahead of Election Day in Virginia and New Jersey. Republicans keep it local - Decatur Daily - November 3rd, 2025 [November 3rd, 2025]
- Republicans quickly push back on Trumps call to nix filibuster - Politico - October 31st, 2025 [October 31st, 2025]
- Democrats and Republicans Clash Over SNAP Contingency Funds - FactCheck.org - October 31st, 2025 [October 31st, 2025]
- Republicans' refusal to fund SNAP will hurt their own voters most. They don't care. | Opinion - USA Today - October 31st, 2025 [October 31st, 2025]
- Trump calls on Republicans to abolish the Senate filibuster rule - The Guardian - October 31st, 2025 [October 31st, 2025]