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Elections 2016

Repealing The Affordable Care Act Could Be More Complicated Than It Looks

President-Elect Donald Trump has pledged to end the Affordable Care Act, which President Barack Obama signed into law in 2010. (Scott Olson/Getty Images, Chip Somodevilla/Getty Images)

After six controversial years, the Affordable Care Act, aka Obamacare, may be on the way out, thanks to the GOP sweep of the presidency and both houses of Congress Tuesday.

鈥淭here鈥檚 no question Obamacare is dead,鈥 said insurance industry consultant Robert Laszewski. 鈥淭he only question is whether it will be cremated or buried.鈥

Senate Majority Leader Mitch McConnell (R-Ky.)聽 that repealing the law is something that鈥檚 鈥減retty high on our agenda.鈥

But promising to make the law go away, as President-elect Donald Trump , and actually figuring out how to do it, are two very different things.

鈥淲ashington is much more complicated once you鈥檙e here than it appears to be from the outside,鈥 said William Pierce, a consultant who served in both the George W. Bush Department of Health and Human Services and on Capitol Hill for Republicans.

For example, a full repeal of the health law would require 60 votes in the Senate to overcome a filibuster. Given the small GOP majority in the Senate, 鈥渢hey would have to convince six or eight Democrats to come with them to repeal. That seems highly unlikely,鈥 Pierce said.

Republicans could — and likely would — be able to use a budget procedure to repeal broad swaths of the law. The 鈥溾 process would let Republicans pass a bill with only a majority vote and not allow opponents to use a filibuster to stop movement on the bill.

But that budget process has its own set of , including one that requires that any changes made under reconciliation directly affect the federal budget: in other words, the measure must either cost or save money. That means 鈥渢hey can only repeal parts鈥 of the law, said Pierce.

Republicans have a ready-made plan if they want to use it. The late last year would have repealed the expansions of Medicaid and subsidies that help low- and middle-income families purchase health insurance on the law鈥檚 marketplaces, among other things. President Barack Obama vetoed the measure early this year.

That bill also included, as Vice President-Elect Mike Pence last week in Pennsylvania, 鈥渁 transition period for those receiving subsidies to ensure that Americans don鈥檛 face disruption or hardship in their coverage.鈥 The bill passed by the GOP Congress at the end of 2015 set that date at Dec. 31, 2017.

Delaying the repeal date could work in Republicans鈥 favor, said Laszewski. 鈥淭hen they鈥檒l turn to the Democrats and say, 鈥榃ork with us to replace it or be responsible for the explosion,鈥欌 he said.

But Tim Westmoreland, a former House Democratic staffer who teaches at Georgetown Law School, said that strategy won鈥檛 work. 鈥淚 don鈥檛 think people will see the Democrats as responsible if it all blows up,鈥 he said.

Meanwhile, Republicans have only the broadest outlines of what could replace the law. Trump鈥檚 campaign website has bullet-point to allow health insurance sales and to expand health savings accounts — which allow consumers to save money, tax-free, that can be used only for health care expenses. House Republicans last summer offered up a that includes creating 鈥溾 for people with preexisting health conditions and turning the Medicaid program back to state control through a block-grant program.

Yet even Democrats are convinced that Obama鈥檚 signature accomplishment is on the chopping block. 鈥淎 lot of people say, 鈥極h, they can鈥檛 really mean it. They wouldn鈥檛 really take health insurance away from 20 million people鈥欌 who have gained it under the law, John McDonough, a former Democratic Senate staffer, said at a last week. 鈥淗ow many times do [Republicans] have to say it before we take them seriously?鈥

One possibility, according to William Hoagland, a former GOP Senate budget expert now at the Bipartisan Policy Center, a Washington-based think tank, is that Republicans could use the budget process to combine tax reform with health policy changes. 鈥淎nd a reconciliation bill that includes reforms in Obamacare and tax reform starts to become a negotiable package鈥 that could attract both Republicans and potentially some Democrats, who are also interested in remaking tax policy.

But if Congress does pass the GOP鈥檚 鈥渞epeal鈥 before the 鈥渞eplace,鈥 it needs to make sure that insurers will continue to offer coverage during the transition.

鈥淎re [Republicans] going to invite insurers in and listen?鈥 said Rodney Whitlock, a former House and Senate Republican health staffer. If there is no acceptable transition plan, 鈥渋nsurers can say the same thing to the Republicans that they鈥檝e been saying to Democrats,鈥 said Whitlock, which is that they are leaving the market.

That鈥檚 something that concerns insurance consultant Laszewski, who says that already there are more sick than healthy people signing up for individual coverage under the law. With probable repeal on the horizon, he said, that鈥檚 likely to get even worse. 鈥淎 lot of [healthy] people will say, 鈥榃hy sign up now? I鈥檓 going to wait until they fix it.鈥欌

And if that happens, he said, there might not be any insurers offering coverage for the transition.

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