Trump tried and failed to repeal the ACA in 2017, and since then has vowed he “would make it much better than it is right now,” though without providing specifics. One likely course of action, however, would be to target the ACA’s protection of individuals against insurance denial because of pre-existing health conditions. As president, Trump authorized the expansion of short-term insurance plans as an alternative to the more comprehensive ACA marketplace plans. These short-term plans allowed insurers to bar people from coverage because of pre-existing conditions, and to set rates based on their medical histories.
More recently, the Republican Study Committee, a group comprising four-fifths of Republican congressional members and their leadership, released a budget proposal calling — among many other things — for an end to the federal government’s regulation regarding pre-existing conditions and allowing states to decide whether or not to keep the rule.
Medicaid also represents a major difference between the candidates. A joint federal-state program established in 1965, along with Medicare and Medicaid, now provides health insurance for almost 75 million low-income Americans. When Congress passed the AfCA in 2014, it included a provision to expand Medicaid coverage to all Americans earning up to 138% of the Federal Poverty Level. Forty states, as well as the District of Columbia, adopted the expanded coverage, along with federal matching grants to go with it, and 10 states — primarily Republican-controlled states — rejected it, keeping insurance out of reach for many low-income residents.
As president, Donald Trump approved waivers allowing states to set work requirements in order for people to receive Medicaid, and waiver programs have proved costly and ineffective. The Biden-Harris administration withdrew those waivers, claiming that work requirements do nothing to advance the purpose of Medicaid, which has been to expand access to health care.
What should voters make of these differences? One way to begin answering the question is to listen to people closest to the issues. An internist working at a San Francisco public hospital writes of treating an indigent man who requests hospice care rather than undergoing an amputation for a bone infection in his arm, an infection that doesn’t respond to antibiotics. The man explains that with an amputated arm, he’d be much more vulnerable to assault on the streets, and thus he opts for hospice — unless he’s able to get housing — a goal far out of reach in a city with a critical shortage of available housing.