The Affordable Care Care Act, or Obamacare, has been a major part of the 2016 presidential campaign.
On the campaign trail, President Donald Trump repeatedly vowed to repeal it and promised to replace it with something that would better protect Americans from financial ruin.
Now, it’s time to see how the law will impact your healthcare costs.
A new report from the consulting firm Avalere Health says the Affordable Health Care Act will increase the number of uninsured Americans by 13 million over the next decade.
And the law is set to cause some of those who already have coverage to have to pay higher premiums.
Cara K. Kennedy, an analyst at Avalere, says that under the Affordable Healthcare Act, “Obamacare will result in an average increase in health insurance premiums of 13% for individuals and an average of 25% for families in 2018.”
That will increase premiums by an average $1,947 per year, Kennedy says.
Under the ACA, the law requires that health insurance plans must cover all preventive services, including HIV/AIDS and other health care-related care, at no cost.
The law also requires insurance companies to cover a minimum of 20 preventive services each year, with no maximum.
The ACA also requires insurers to offer health insurance coverage to people with pre-existing conditions.
According to Avalere’s report, the uninsured rate in the US has been rising faster than average.
For 2018, Avalere estimates that 13.2 million Americans are currently uninsured, a 13% increase from 2017.
That is an increase of 23% from 2016, the year the ACA was enacted.
In addition, Avales reports that in 2018, 6.5 million people will be enrolled in Medicaid, an expansion of the program, bringing the number to 20 million.
While the ACA has not had a major impact on premiums, Avalemes research suggests that the law could reduce some people’s access to affordable healthcare.
In 2018, the average deductible for private insurance rose by $2,500 to $4,500 per person.
That may sound like a huge difference, but Avalere believes it could have a significant impact on the number and size of insurers that will offer plans in 2018.
“The ACA’s premium increase is a big factor in driving up premiums, and some of these additional premiums could be offset by an increase in the number or size of plans available for people with preexisting conditions,” Avalere says.
In other words, insurers may have to charge higher premiums for preexisted conditions if the ACA allows them to.
Obamacare has also created an array of new regulations that are intended to make health care more affordable and accessible.
One of the most significant of these regulations is the Affordable Coverage Exchanges.
These are the markets where people buy their insurance through an exchange, typically a private health insurance company.
The exchange is an independent network of companies that are not required to offer plans to everyone.
But the exchanges are run by states.
In 2018, there will be over 30,000 Marketplace Exchanges in 28 states, and they are expected to have a total enrollment of approximately 11 million people.
That’s more than double the number that existed in 2016, when the Affordable Exchange operated in 36 states.
It is not clear if these markets will have the same number of participants as in 2016.
And it is also not clear what impact, if any, this will have on the cost of insurance.
In fact, Avalestere says the impact of these marketplaces will vary depending on the type of insurance coverage that is offered.
For example, it is possible that people with employer-sponsored coverage could be charged higher premiums, or that people in plans that include a group health plan could see a larger increase in premiums.
The Affordable Health Act has also opened up more opportunities for individuals to buy health insurance through a state-run marketplace.
According the Avalere report, in 2018 there will also be 2.1 million individual health insurance marketplaces.
But this number is not yet finalized.
Avalere also believes that the number is likely to increase.
The Avalere Healthcare report also points to several key policy developments that are set to impact the insurance market in the coming years.
One, it predicts that the ACA will lead to a drop in premiums for younger and healthier individuals.
This could lead to an increase for older, sicker individuals.
Two, the ACA is set up to require insurers to cover people with diabetes, which could lead people with lower incomes to pay more for their health insurance.
That could lead some people to be denied insurance coverage.
Three, there are a number of new restrictions that will be in place to help consumers.
The HHS is also proposing to limit how much an individual can spend on out-of-pocket health expenses.
In 2019, the Federal Trade Commission is expected to issue new regulations to limit out- of-pocket costs.