HERE’S HOW REPEAL AND REPLACE WILL AFFECT WOMEN:

  • Health costs, on average, will NOT increase.
  • Will NOT be denied coverage for any reason, including pre-existing conditions.
  • WILL have the ability to afford and buy the coverage and care they need, including maternity care, and contraception.

BOTTOM LINE: REPEAL AND REPLACE HELPS WOMEN:

  • Greater options.
  • Lower costs.
  • Protects women with pre-existing conditions.

 

THE ACA HAS HURT WOMEN:

  • Women—especially older women—saw greatest premium increases.
  • Cancelled plans, broken doctor relationships, higher out-of-pocket costs.
  • Hurt disproportionately by ACA employer mandate.

    • Women 2X as likely to have had their hours cut.
    • Women hurt by ACA’s 30-hour threshold lost benefits, pay.
    • Younger workers also disproportionately affected.

 

 

DISPELLING MISPERCEPTIONS:

MISPERCEPTION: Women will pay more than men for insurance with repeal.

FACT: This is NOT true.

  • As with ACA, Insurers CANNOT charge women more than men.
  • Applies in all 50 states and cannot be waived.

MISPERCEPTION: Rape and domestic abuse will be treated as pre-existing conditions.

FACT: This is NOT true.

  • 4 Pinocchios from the Washington Post fact checker.
  • Survivors will not be treated any differently or charged more.
  • No one will be denied insurance coverage for any reason.

MISPERCEPTION: Pregnancy, c-sections, and post-partum depression will be treated as pre-existing conditions so you would be denied a policy if you ever experienced any of these.

FACT: No one will be denied insurance coverage for any reason.

  • (Specific to American Health Care Act) With state waivers, insurers may:

    • Ask questions about health only if you have a gap in coverage for more than 63 days.
    • Charge you an increased premium for a short period of time.
  • Expectant mothers will fare better:

    • Under ACA, uninsured pregnant women cannot get coverage outside of limited enrollment period, must pay out of pocket until birth or until the next open enrollment.
    • Under repeal and replace, uninsured pregnant women have option to enroll in special protection programs for those with known higher costs.

MISPERCEPTION: Women will not have access to maternity coverage or no-copay birth control.

FACT: This is NOT true.

  • Popular benefit, women will still have access—if they want.
  • Non-waiver states: coverage still required for everyone.
  • Waiver states: maternity, no-copay birth control coverage optional.

    • Up to states/consumers.
    • Insurers will still o er it, your choice.
  • Many people don’t want/need this coverage, shouldn’t be forced to pay for it.

MISPERCEPTION: Many women will lose insurance coverage if the ACA is repealed.

FACT: Claims about coverage loss often taken out of context:

  • No mandate -> Some will choose not to buy insurance.
  • The goal: universal access to affordable health insurance coverage.
  • Want to make it as easy/affordable as possible for people to buy insurance.

HOW REPEAL AND REPLACE HELPS WOMEN:

  • Women will have greater options.

    • Make the majority of decisions about health care/insurance for ourselves, our families.
    • Deserve the freedom to choose our insurance, doctors, and treatments.
  • A choice is only really a choice if it is a choice you want. Under the ACA you have choices you didn’t want—between very expensive plans that often cover things you don’t want, and at cost of losing own doctor.
  • Premiums for women and men will decrease.
  • Consumers win—greater options/choices.
  • More affordable.

WOMEN WITH PRE-EXISTING CONDITIONS WILL BE PROTECTED.

  • No one will fall through the cracks.
  • ALL people, women and men, healthy and sick, will have access.
  • Not flimsy plans, but coverage we can depend on.
  • Under repeal and replace, no insurance company can deny insurance coverage to anyone for any reason.
  • Additional programs/funds to protect people with pre-existing conditions.