美政府拟推出新医保方案

Core Points - The Trump administration plans to announce a new healthcare policy framework that includes extending subsidies for the Affordable Care Act (ACA) for two more years and implementing new eligibility restrictions [1][3] - The proposed policy will set a new income cap for subsidy eligibility, limiting it to individuals earning no more than 700% of the federal poverty line, and will require monthly premium payments from low-income enrollees to combat fraud [1][3] - The plan is seen as the first substantial healthcare initiative from the Trump administration since the government shutdown, with key Republican leaders expected to receive a briefing on it [3] Summary by Sections Subsidy Extension and Eligibility - The new framework proposes extending ACA subsidies for two years and introducing a new income limit for eligibility, which will be set at 700% of the federal poverty line [1] - Previously, subsidies were available for individuals earning between 100% and 400% of the federal poverty line, but the Biden administration's American Rescue Plan removed income caps [1] Premium Payments and Fraud Prevention - The plan mandates that all enrollees, including low-income individuals, must pay a portion of their premiums to reduce fraudulent activities by insurance agents who previously enrolled individuals without their consent [1][2] - This requirement aims to mitigate the exploitation of the ACA by ensuring that low-income individuals contribute to their insurance costs [1] Political Context and Implications - The proposal comes amid significant political division in Congress regarding the continuation of ACA subsidies, with potential implications for the upcoming midterm elections [3][4] - The KFF predicts that if subsidies expire, premiums could double next year, and the CBO estimates that over 2 million people may lose their health insurance [3]