How Would an ACA Repeal Affect Seniors?

By Marvin Ji, 9:00 am on

A current topic in the political world is the vow from the new administration to repeal and replace the Affordable Care Act (ACA). This action will affect everyone, including seniors. Some lawmakers believe repealing the act and approving a good replacement plan could be beneficial for people, but others say it could have a negative impact. Here are some of the ways repealing the ACA could affect seniors, especially if there is no immediate replacement. 

Out-of-Pocket Expenses 

Currently seniors are entitled to various screenings and services without paying for them, such as mammograms, colorectal screenings, and annual wellness checks. However, if the ACA is appealed, this could be one of the benefits that is eliminated. Paying for preventive services could be too costly for most seniors who live on fixed incomes. As a result, your elderly loved one could be at a higher risk of developing cancer, diabetes, heart disease, stroke, and other serious conditions that can impact seniors. 

There are a variety of age-related health conditions that can make it more challenging for seniors to live independently. However, many of the challenges they face can be easier to manage if their families opt for professional home care. In Plano, TX, families can rely on expertly trained caregivers to keep their loved ones safe and comfortable while aging in place

Higher Prescriptions 

Purchasing name-brand prescriptions while in the Medicare Part D program is easy for seniors under the ACA, which currently provides seniors with a 50 percent discount. If the ACA is appealed, this benefit could end, making it difficult for your elderly loved one to get the medications he or she needs at an affordable price. Many seniors take medications to prevent age-related illnesses and diseases, including glaucoma, heart disease, diabetes, and osteoporosis. If your elderly loved one can no longer afford prescriptions, he or she is at a higher risk of developing those medical conditions.

Seniors with serious medical conditions sometimes require help from a professional caregiver. Families who need help taking care of their senior family members can turn to Home Care Assistance. A caregiver in Plano can encourage your loved one to adopt healthier habits and help him or her age in place safely and comfortably. 

Higher Premiums 

Many seniors have experienced lower premiums, especially in states where the Medicare and Medicaid expansion have been approved. If the ACA is repealed, your elderly loved one could see an increase in his or her premium. If this happens, your loved one may need to drop the coverage or choose a cheaper option. A cheaper policy may not cover many of the benefits, such as lower co-pays, more screenings, certain treatments, and free or discounted medical devices. To maintain great coverage, your senior loved one may have to pay higher premiums or have more out-of-pocket expenses. 

Denied Coverage 

If the Affordable Care Act is repealed, many health insurance providers could deny coverage to people based on age, family health history, and pre-existing conditions. This means the healthiest people would be offered the best insurance coverage. Since seniors are at a higher risk of various medical issues and illnesses, insurance providers are likely to be reluctant to offer coverage for fear of losing money. If the new administration decides to repeal the ACA, it will need to keep some parts of the law when choosing a replacement, such as the inability to deny coverage based on age and pre-existing conditions. Otherwise, the health benefits to seniors will be reduced and the cost of health care will increase.

Many seniors living with medical conditions need occasional assistance at home. Oftentimes the family members who take care of them need time away to run errands, take a nap, go to work, or take a vacation. Plano, TX, respite home care experts from Home Care Assistance are available on an as-needed basis, giving your family peace of mind that your loved one will remain safe and comfortable while you relax or focus on other important responsibilities. Call (214) 586-0120 to learn about how our expertly trained caregivers can help your loved one.