"I just think all the talk is meaningless," said Troia, 62, of
Troia, a self-employed certified public accountant, has renewed her coverage for next year under the health insurance law, also referred to as Obamacare. She first enrolled in 2016.
She is with Humana now and will switch to Florida Blue in 2017 because Humana has left the
Although Trump repeatedly said on the campaign trail that the ACA will be repealed, and more recently said he will keep key parts of it, Troia isn't holding her breath.
"Obamacare is now entrenched, and people find it useful," she said, adding there would be public uproar if it is repealed. "Once something is entrenched in society, it is hard to reverse it."
Her sentiment may be shared by a vast number of other Floridians because insurance counselors, called navigators under the ACA, are busier than ever helping people select plans since open enrollment began
"For this early in the enrollment season, we are busier than last year," said
Speculation is all over the board about Trump's campaign promise versus what ultimately happens with the ACA, although
Trump's stance last week about keeping the anti-discrimination provision for people with pre-existing conditions and allowing young people to stay on their parents' plans until age 26 is "just scrapping at the surface" of the law, said
"It's going to be very difficult to remove 20 million people, and more by the time open enrollment is over, out of a system that is helping people," Pafford said. "Right now it is so unpredictable. We don't know of any plan that he is offering. Experts across the country are sitting around conference rooms pulling their hair out."
One way Trump can work around an outright repeal is by stripping the subsidies that help people with premiums, so the result is they drop coverage on their own and the ACA fails.
"It's a political sleight of hand," Pafford said, adding that that approach would make Trump disingenuous and a political insider, which he campaigned against.
What needs to be remembered is that
Still, he expects the ACA to remain in place for 2017 and likely for 2018.
"This will take 18 to 24 months to implement," Breitenbach said.
"They are not going to give Obama the credit," he said, even though he said the program is working as expected and people are liking it.
"I think Americans should not have to worry about health care," she said.
With subsidies to help against the monthly premium of her ACA plan, she will pay
"That's a big chunk," she said.
Thorp, the counselor in
"I have not heard anyone talk about the penalty," Thorp said.
There is an opportunity to fix the "family glitch," where a family would not be eligible for subsidies under the ACA when what one member would pay for employee-only coverage with a group plan at his or her workplace is deemed affordable, she said. It doesn't matter how much the employee would have to pay to purchase family coverage.
"So many families will remain without coverage unless this is fixed," Thorp said. "If the new administration changes the law to account for the price of family premiums when determining affordability, the marketplace would be open to cover more young people. I think this is a viable solution that will extend coverage to more people who are traditionally lower users of health care, thus bringing down average costs."
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