HELP! SHARE YOUR ACA or MEDICAID STORY or help a family member or friend to share theirs. Your story can help show why it is important to safeguard, in Rhode Island law, the patient protections of the Affordable Care Act.  Whether it is to protect those with pre-existing conditions from discrimination, ensure no one loses coverage because of an expensive to treat disease, or whether it is to guarantee meaningful benefits, we are all impacted.   Your story will help demonstrate that the ACA and its provisions for Medicaid Expansion is a step forward in achieving coverage for all.


Share your story! The Texas Healthcare Repeal Lawsuit to eliminate the ACA via the Supreme Court would devastate Rhode Islanders


The threat to rip away our health care by going to court to eliminate the Affordable Care Act in its entirety is still very real. Members of the Supreme Court heard arguments in the case in November of 2020.  The Court’s ruling is still pending.  If the lawsuit is successful, it will strip coverage from millions of Americans, raise premiums, end protections for people with pre-existing conditions, put insurance companies back in charge, and force seniors to pay more for prescription drugs. The result will be to — as the former Trump Administration itself admitted in court — unleash “ chaos ” in our entire health care system.

If the lawsuit is successful:

67,000 Rhode Islanders Would Lose Their Coverage:

  • According to the Urban Institute, 67,000 Rhode Islanders would lose coverage by repealing the Affordable Care Act, leading to a 116% increase in the uninsured rate.
  • 8,000 Rhode Island young adults with their parents’ coverage could lose care. Because of the Affordable Care Act, millions of young adults are able to stay on their parents’ care until age 26.

Insurance Companies Would Be Put Back In Charge, ending protections for people nationwide with a pre-existing condition.  According to a recent analysis by the Center for American Progress, roughly half of nonelderly Americans, or as many as 130 million people, have a pre-existing condition. Including:

  • 443,900 Rhode Islanders, including 50,800 Rhode Island children , 218,000 Rhode Island women , and 110,100 Rhode Islanders between ages 55 and 64.

Insurance Companies Would Have The Power To Charge You More:

  • 484,193 Rhode Islanders could once again have to pay for preventive care. Because of the ACA, health plans must cover preventive services — like flu shots, cancer screenings, contraception, and mammograms – at no cost to consumers.
  • Women could be charged more than men for the same coverage. Prior to the ACA, women were often charged premiums on the nongroup market of up to 50% higher than men for the same coverage.
  • People over the age of 50 could face an “Age Tax.”  Because Judge O’Connor sided with Republican lawmakers, insurance companies would be able to charge people over 50 more than younger people. The Affordable Care Act limited the amount older people could be charged to three times more than younger people. If insurers were to charge five times more, as was proposed in the Republican repeal bills, that would add an average “age tax” of $2,690 in Rhode Island for a 60-year-old in the individual market, according to the AARP.
  • 26,500 Rhode Islanders in the HSRI marketplace would pay more for coverage. If the Trump-GOP lawsuit is successful, consumers would no longer have access to tax credits that help them pay their marketplace premiums.
  • 14,990 Rhode Island seniors could have to pay more for prescription drugs because the Medicare “donut” hole would be reopened. From 2010 to 2016, more than 14,990 Rhode Island seniors each saved an average of $1,004.

Insurance companies would have the power to limit the care you get, even if you have insurance through your employer:

  • The Affordable Care Act made comprehensive coverage more available by requiring insurance companies to include “essential health benefits” in their plans, such as maternity care, hospitalization, substance abuse care and prescription drug coverage. Before the ACA, people had to pay extra for separate coverage for these benefits. For example, in 2013, 75 percentof non-group plans did not cover maternity care, 45 percent did not cover substance abuse disorder services, and 38 percent did not cover mental health services. Six percent did not even cover generic drugs.
  • Repealing the Affordable Care Act means insurance companies would be able to impose annual and lifetime limits on coverage for those insured through their employer or on the individual market.

Medicaid Expansion could be repealed — 74,000 Rhode Islanders enrolled through Medicaid expansion could lose coverage.

Please reach out to us if you have a question, comment or information.

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