Blue Cross Blue Shield of WNY

Congressional Budget Office (CBO) Report: House Resolution (HR) 1628 American Health Care Act

How does this affect me as a member?


Non-Group Member: The CBO believes the legislation would tend to increase average premiums in the individual market prior to 2020 and lower average premiums thereafter.


• In 2018 and 2019, according to CBO estimates, average premiums for single policyholders in the individual market would be 15 to 20 percent higher than under current law, mainly because the individual mandate penalty would be eliminated, inducing fewer comparatively healthy people to sign up.

•Starting in 2020, the CBO says premiums rates could decrease. However, the CBO says this would partially depend on the waivers states might seek to ACA insurance requirements, and might differ significantly for people of different ages because of a change in age-rating rules.

o States Not Requesting Waivers of Market Rules: It is expected that New York would not request a waiver of market rules, given the state's long history of requiring comprehensive benefits and community rating. If New York does not request a waiver, the CBO estimates that average premiums in the individual market would be about four percent lower in 2026 than under current law, mostly because a younger and healthier population would be purchasing insurance.

• By 2026, average premiums for single policyholders in the individual market under the legislation would be roughly 10 percent lower than under current law, CBO and JCT estimate.


** It is important to note that the CBO report is only an estimate of the House passed legislation – the Senate and House would have to pass an identical bill and President would have to sign the bill for it to become law, **


News and Media

August 3, 2017:
Senators Plan Bipartisan Hearings On Health Care

Dave Anderson, CEO of HealthNow New York, talks with Steve Inskeep about lawmakers' plans to hold bipartisan hearings on health insurance exchanges. NPR's Scott Horsley has details and analysis.


June 6, 2017:
What's next for the American Health Care Act

The Point of Health podcast features Donald Ingalls, Vice President, State and Federal Relations of BlueCross BlueShield of Western New York. The episode covers the latest updates on Republican's efforts to repeal and replace the Affordable Care Act.


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