The Affordable Care Act, Obamacare, ACA…it goes by many names, but has made one big impact on America’s health care landscape.

Following last fall's elections, we prepared for a big change to our health care system. President Donald Trump and the Republican Party, which controls Congress, campaigned to repeal the Affordable Care Act. While the initial "repeal and replace" bill did not pan out, it's likely that a new health care reform effort will occur in the future.

What's next for the Affordable Care Act?

If any of your clients have insurance through the Affordable Care Act, they’re probably wondering what will happen to their plans.

Let your clients know they can sit tight for now. The ACA will generally stay in place until both houses of Congress pass a new law that is signed by the president. And even then, change will not likely be instant. Once a new law is passed, it needs time to kick in.

As the first repeal and replace effort showed, it'll take some maneuvering to get a majority onboard. There are differing philosophies on how to manage our health care system, from the structure of Medicaid to how to handle individual subsidies.

However, changes--either big or small--could happen to the ACA while it's still in force. These could include changes to the number of participating carriers, the types of coverages required, or premium costs.

While we don’t know exactly what's next for health care reform, stay tuned! But for now, it’s business as usual.

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