With the death of Justice Ruth Bader Ginsburg just weeks before the Supreme Court will hear oral arguments in the latest health care repeal lawsuit, the fate of the Affordable Care Act (ACA) is completely uncertain. Repealing the ACA at any point since its passage would have been disastrous to the health and economic security of millions of Americans. But repealing the ACA in the middle of the COVID-19 pandemic that has infected more than 7 million Americans and killed more than 200,000 Americans is morally reprehensible.
More than 20 million people would lose their health coverage, and more than 135 million people would lose protections for their preexisting conditions, including millions of COVID-19 survivors. Repealing the ACA in the middle of an unprecedented pandemic would create chaos across the entire health care system; weaken the country’s public health and economy recovery; and rip affordable health care coverage from millions of people at a time when access to health care services is absolutely essential.
People with preexisting conditions and disabilities, including COVID-19 survivors, would be vulnerable to discrimination by insurers
Before the ACA, insurers could discriminate against people with preexisting conditions by charging people with certain health conditions higher premiums; excluding coverage for services related to those conditions; or denying coverage outright. The ACA protects people with preexisting conditions, including people with disabilities and chronic health conditions, by prohibiting these practices. In addition, it also requires coverage of essential health benefits (EHBs) so that insurers cannot limit benefits to lower costs or discourage people who need care from enrolling in their plans. The ACA also bans lifetime and annual limits so that insurers cannot cap how much they pay for medical care each year or over a person’s lifetime. Continue reading.