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Affordable Care Act Changes: What We Know


Affordable Care Act Changes: What We Know

Ryan Lucht

Ryan Lucht

Associate partner at ChurchWest.
Ryan Lucht

Latest posts by Ryan Lucht (see all)

What We Know About 2017 ACA ChangesAffordable Care Act changes are a hot topic right now. If you’ve been following the news lately, you know politics are a real mess. Probably not something you want to discuss at the dinner table, but definitely something you should be discussing in your board meetings. There’s been a lot of back and forth on what’s going to change with the Affordable Care Act (also known as Obamacare), and that creates a lot of confusion for both you and us as an agency. However, rest assured that our Benefits team makes it a top priority to stay on top of, and learn about, any proposed Affordable Care Act changes that could affect our churches.

As of this writing, we don’t really know what will happen with the Affordable Care Act. We have some insurance industry insight, but until legislation happens it’s all speculation. Nothing will really change until the President signs something into legislation in April or May of 2017.

Watch the Ministerial Exceptions and Excemptions WebinarEven though we can’t predict the future when it comes to Affordable Care Act changes, we thought we’d share some of that industry insight with you. Bear in mind this is speculation, not fact. Here’s what a “new” ACA could look like:

  • Individual Mandate replaced with penalties
  • Subsidies replaced with tax credits
  • Employer Mandate eliminated
  • EHB (Essential Health Benefits) definition eliminated and left to states
  • Expansion of Medicaid limited
  • ACA taxes go away – except for Cadillac Tax
  • 3:1 ratio goes to 5:1 (Seniors won’t be charged more than five times what younger patients pay in premium value.)
  • Dependent Coverage to Age 26 stays
  • Insurance reforms stay
  • Exchanges? California’s exchange likely to stay

We’ll be sure to keep our ear to the ground on the Affordable Care Act changes, and when the ACA is modified or repealed ChurchWest Insurance will contact all of our churches to let them know how it will impact their ministries.

Update: As of July 19, 2017 efforts A, B and C have failed to earn enough votes to repeal or replace the ACA. This means that the ACA will remain in effect for the foreseeable future.

Want to talk more about the Affordable Care Act changes? Sound off in the comments, below. You can also talk to us on Twitter or Facebook.