Trump Surprise Resurfaces the Seven Point Plan

Gerald Yorioka, MD, SCMS President

Earlier this year the Trump Health Plan was released without much coverage. On Nov. 10 the Title XIX Advisory Committee for Washington State Medicaid funding met, as scheduled, and the questions began of what would things look like in the near future after “Repeal and Replace?”

The original Trump plan did not call for eliminating Medicaid, but the proposal was to transfer federal funding via a Block Grant. Presumably this will result in a more predictable and defined cost burden. Within a few days after the election, there is indication from the Trump leaders that the “pre-existing clause” and family coverage up to age 26 may be retained elements of the Affordable Care Act (ACA). These are features of private insurance, not Medicaid. They are required of private plans that are subsidized by the ACA.

Another prominent feature of the Trump Plan is purchase of private insurance across state lines. It is possible that the free market could solve the pre-existing clause and age cutoff needs, as out-of-state plans that have those features could compete for selection without a coercive mandate.

The proposal to enhance medical savings accounts goes further to encourage family-based medical savings pools that encourages family assets to be pooled and passed on to the next generation for medical needs.

Medical insurance is not discarded or neglected under the Trump plan, as health insurance premiums become deductible to the individual, and is not weighted to the employer as it is now. This opens to door for more permanent personal health insurance that is portable from job to job.

The seven point plan fits on one page.