Daily Local News (West Chester, PA)

How Trump’s order impacts future of ACA

- By Julie Pace and Ricardo Alonso-Zaldivar

President Donald Trump’s first executive order targets the Affordable Care Act, also known as “Obamacare.”

WASHINGTON >> President Donald Trump’s first executive order targets the sweeping “Obamacare” law by giving federal agencies broad leeway to chip away at the measure. But Trump still needs Congress to do away with the law for good.

Trump signed the executive order in the Oval Office Friday, hours after being sworn in as the 45th president of the United States.

The one-page directive gives agencies authority to grant waivers, exemptions and delays of provisions in the Affordable Care Act. But until it becomes clear what steps federal agencies take as a result, its full impact on Americans and their health insurance is uncertain.

Here’s a look at Trump’s executive order:

Q: What does the order do?

A: Trump’s order states that federal agencies can grant waivers, exemptions and delays of “Obamacare” provisions that would impose costs on states or individual­s. That language appears to be aimed squarely at undoing the law’s unpopular requiremen­t that individual­s carry health insurance or face fines — a key provision of the measure former President Barack Obama signed in 2010.

It’s not spelled out whether the IRS could waive the fines for failing to secure coverage and the White House has not explained how it wants agencies to respond to the order.

The measure also directs agencies to stop issuing regulation­s that would expand the health care law’s reach. And it says the federal government must allow states greater flexibilit­y in carrying out health care programs.

“It’s a sign that the Trump administra­tion is looking to unwind the law in every way it can administra­tively,” said Larry Levitt of the Kaiser Family Foundation, a nonpartisa­n clearingho­use for informatio­n and analysis about the health care system.

Q: Will people who get insurance under “Obamacare” lose their coverage as a result of Trump’s order?

A

: The order doesn’t directly target the insurance marketplac­e at the center of the health care law. But some experts say that if the directive leads to broad exemptions from the law’s coverage requiremen­t, it could scare off insurers.

Insurers see the coverage requiremen­t, or socalled individual mandate, as an essential tool to nudge healthy people into the coverage pool. Without it, the companies and most independen­t experts believe premiums would spike, making HealthCare.gov’s insurance markets unsustaina­ble.

Leslie Dach, campaign director of the Protect Our Care Coalition, issued a statement saying, “While President Trump may have promised a smooth transition, the executive order does the opposite, threatenin­g disruption for health providers and patients.” He called the executive order “irresponsi­ble.”

Q

: How quickly will any changes take effect?

A

: The executive order may not have much impact for 2017, since government rules for this year have already been incorporat­ed into contracts signed with insurance companies.

Department­s like Health and Human Services and Treasury will have to issue policies that embody the new president’s wishes.

The Trump administra­tion can rewrite regulation­s carrying out the legislatio­n. New regulation­s cannot be issued overnight, but would have to follow a legally establishe­d process that requires public notice and an opportunit­y for interested parties to comment on the administra­tion’s changes.

Q

: What is Congress’ plan for the Affordable Care Act?

A

: With Republican­s in control of both the White House and Congress, undoing Obama’s health care law is at the top of the party’s agenda for 2017.

There’s broad agreement among Republican­s that the law should be repealed. But lawmakers are far less unified about what should take its place and how quickly a new measure should take effect.

Shortly before taking office, Trump said he wanted Congress to pass repeal and replace measures “essentiall­y simultaneo­usly.” That put some Republican­s on edge, given the complexiti­es of unwinding the current law.

Trump has also been vague about what he wants included in a replacemen­t package, saying his administra­tion will have a plan after the Senate confirms his nominee to lead the Department of Health and Human Services, Rep. Tom Price.

The president has said he wants to keep some of the measure’s more popular elements, including allowing young people to stay on their parents’ insurance until age 26 and preventing insurance companies from denying coverage to people with pre-exiting conditions.

The Fair Debt Collection Practices Act provides protection for those being pursued for personal debts, such as money owed on a credit card account, an auto loan or a mortgage. It doesn’t cover debts incurred to run a business.

You have rights

Debt collectors can contact you by phone, letter, email or text message, as long as they follow the rules

and disclose that they are debt collectors. It’s against the law for a debt collector to pretend to be someone else to harass, threaten or deceive you.

They may not contact you at inconvenie­nt times or places, such as early in the morning or late at night. And they may not contact you at work if they’re told not to.

Debt collectors may not harass, oppress, or abuse you, according to the FTC. That includes threats of violence or using obscene language. Federal law also limits the number of calls a debt collector can place.

Collectors cannot lie to collect a debt, by falsely representi­ng themselves or

the amount you owe. And other than trying to obtain informatio­n about you, such as a telephone number or whereabout­s, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

You can take action

Report any problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission and the Consumer Financial Protection Bureau. Many states have their own debt collection laws that vary from federal law, so contact your attorney general’s office for help.

 ?? THE ASSOCIATED PRESS ?? President Donald Trump, flanked by Vice President Mike Pence and Chief of Staff Reince Priebus, signs his first executive order on health care Friday in the Oval Office of the White House in Washington.
THE ASSOCIATED PRESS President Donald Trump, flanked by Vice President Mike Pence and Chief of Staff Reince Priebus, signs his first executive order on health care Friday in the Oval Office of the White House in Washington.

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