Houston Chronicle

Q&A: What happens now and what changes with your coverage.

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Q: What happens now? A: The bill goes to the U.S. Senate, where it could go to a vote quickly or changed, perhaps significan­tly. It still has a long way to go before reaching President Donald Trump’s desk.

Q: Is Obamacare now gone? A: Not completely. The House bill would repeal certain key provisions, but the bill passed by simple majority under a measure that allows changes only to spending, taxes and budgetary actions. A full repeal would require a two-thirds majority, which is not likely.

Q: What changes? A: Nothing immediatel­y as Congress has promised to phase in changes over time.

The biggest immediate change would be the end of requiremen­ts that everyone carry health insurance. People can choose to be uninsured, but if they let their coverage lapse more than two months they can be charged more to restart it.

Q: What if I get my insurance through work?

A: This bill primarily affects the individual market, but it could affect those with employer-based insurance as well. Companies with more than 50 employees would no longer be required to offer health insurance, for example, although many experts believe they will continue to do so as a benefit to attract and keep workers.

Q: Will I lose my subsidy? A: The way assistance is calculated will change, switching from an income-based system to one based on age with set amounts, ranging from $2,000 per year for adults under 30 up to $4,000 for those over 60. In some cases, it will be more generous, especially for younger and middle-aged people who make more money.

Q: What about pre-existing conditions?

A: Republican lawmakers promise those with chronic or preexistin­g medical conditions will be able to get insurance, but many health care groups and analysts remain skeptical that everyone who has health insurance under Obamacare will remain able to afford the higher premiums.

If you have a pre-existing condition and are covered now, you should be fine unless your policy is canceled or you let it lapse. Then, you might have to buy insurance through a high-risk pool that typically is much more costly.

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