What should the approximately 20 million Americans with Affordable Care Act insurance be doing after federal appellate judges voided a portion of Obamacare?Make no mistake, any ruling that deals with health coverage is serious stuff. But consumers with plans under the law — also known as Obamacare — should know that nothing changes immediately while the case wends through the courts.
The circuit ruling affirmed a lower court’s decision that the individual mandate was unconstitutional. The Texas federal judge, Reed O’Connor, said because the mandate was invalid, the entire law was invalid. “Nobody’s coverage is going to change,” she said — it’s just going to keep a lot of lawyers busy for the foreseeable future.
It remains to be seen whether the Supreme Court will pick up any appeal. Remanding the case back to the Texas court would draw out the process even longer. Any rate changes this year would only occur if someone has a change in their personal financial situation from events like a change in income or a job loss. Changing income levels can affect the size of the tax credit people receive to lower their monthly insurance payment, Pollitz said.
In any case, it’s a good idea to stay informed on politics going into the 2020 elections, Pollitz said — and not just the presidential election.
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