Trump’s short-term health plans are cheaper but cover less

Four cities sue over Trump ‘sabotage’ of Obamacare

And there's no federal guarantee short-term coverage can be renewed.

"To restore these to 364 days - as originally drafted - is exactly what we are looking for", said Jan Dubauskas, general counsel for the IHC Group, speaking before the final rule was released.

As younger, healthier people opt out of ACA markets, premiums will rise for people buying ACA-regulated plans.

The plans, which have been available for years and were originally created to fill a temporary gap in coverage, will likely be cheaper than Obamacare policies. These plans won't have to cover as many medical services and are exempt from covering people with pre-existing conditions. According to NBC News, 3 million fewer people had health insurance in 2017 compared to the year prior, and city-subsidized health centers in Columbus saw nearly 3,000 more uninsured patients. What was your experience?

Short-term plans can also set annual and lifetime caps on benefits, and cover few prescription drugs.

The other ways they keep their premiums down is by offering bare-bones coverage in the first place. And, unlike Obamacare policies, they don't have to cap consumers' cost-sharing burden at $7,350 for 2018.

Most exclude benefits for maternity care, preventive care, mental health services or substance abuse treatment.

A major insurer group is warning that the Trump administration's short-term health insurance plans could be harmful for consumers.

Association for Community Affiliated Plans CEO Margaret A. Murray said in a prepared statement: "Fake insurance is no substitute for real coverage". A recent study looked at short-term health plans sold in the Charlotte region and found that majority didn't cover benefits for prescription drugs, mental health services, or substance use disorder treatment.

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Four cities are charging President Trump with violating Article II of the Constitution, which demands he "take care that the laws be faithfully executed", because of his latest effort to upend Obamacare.

"By actively and avowedly wielding executive authority to sabotage the ACA, defendants are not acting in good faith; instead, they have usurped Congress's lawmaking function, and they are violating the Constitution", the complaint said. "We make no representation that it's equivalent coverage".

But the new policies don't have to cover existing medical conditions and they offer limited benefits.

Administration officials estimate plan premiums could be half the cost of the more comprehensive ACA insurance. Insurers in the individual market aren't allowed to spend more than 20% on these expenses.

The lawsuit cites Trump's own words against ObamaCare.

People who don't get insurance through their jobs will now be able to buy short-term policies that may be cheaper than Affordable Care Act coverage. By 2021, enrollment in the individual market will decrease by 1.4 million. "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".

Since taking office in January of 2017, President Trump has let it be known that his plan is to undo the Affordable Care Act.

Brokers will likely be pushing the plans, as they often pay higher commissions than do ACA plans.

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

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