President Donald Trump is making good on his promise to repeal and replace Obamacare, and that’s a good thing.
The Affordable Care Act is collapsing.
There are millions of Americans who will be uninsured by 2026 and millions of people who will have to go without health care coverage.
And there are some people who can’t even afford health insurance because of the new law’s steep deductibles.
So what should Americans do?
Let’s talk about what you need to do to keep their health insurance plans affordable.
The most important thing is to find out how to save money on your insurance premiums and deductibles, especially in states with high premiums and high deductibles because of preexisting conditions, says Elizabeth Nash, president of Health Research & Educational Exchange, an organization that tracks the cost of health care.
Nash and other experts are calling on Americans to look for ways to cut down on the cost that is associated with insurance plans and to consider the possibility of switching to a single-payer system.
Nash says people should pay more attention to the deductible and the cost-sharing requirements.
People should look at the cost per deductible and see if they can get away with it, she says.
They should also pay more for catastrophic coverage if they have preexistent conditions, such as cancer, or if they get diabetes.
Nash also recommends people think about how they’ll use their savings.
She says you can make savings by taking advantage of discounts in your insurer’s marketplace.
You could use a credit card that allows you to pay off the balance of your plan in advance, she adds.
But if you do this, you can’t keep the money, because your insurance company won’t allow you to withdraw the funds, so you can only keep the balance.
You have to use it to pay for the cost.
The best way to reduce your costs is to work with your insurer to work out a deal to lower your premiums and deductible.
That can be easier in some states where premiums are lower and deductible amounts are lower, Nash says.
She also recommends using savings accounts.
These are accounts that you can open in the hopes that you’ll pay less in premiums, and if you don’t, you could end up paying a higher amount out of pocket.
You can use an account with a spouse, partner, or child to reduce the cost for both you and your children.
If you’re looking for ways you can save money, Nash suggests starting by working with your employer.
If your employer doesn’t offer health insurance, it may not be worth your while to sign up for insurance, she notes.
It could be worth looking into other options, such inpatient care, nursing home care, or hospice care.
You might also consider working toward paying down your debt by reducing your monthly payment or by paying it off with an installment plan.
In any case, Nash notes, you need your plan to offer affordable coverage, so get started by finding out how much you’ll be paying.
The good news is that the cost will drop dramatically in the first year after you get the plan and the coverage becomes more affordable, Nash points out.
The bad news is you can still find the best plan.
There’s a big difference between an individual policy that covers you, or a group policy that you sign up with your health care provider.
But you can always look at a group plan and compare it with an individual, she recommends.
If it has a deductible, for example, a group option might have more coverage for people with pre-existing conditions and people who are older and sicker.
A single-person policy that doesn’t cover you might have coverage for you but not for people who aren’t elderly or sick.
That’s not the case for most single-parent or family policies.
If the deductible is more than the cost you pay, you’ll have to pay more.
For example, if you pay $1,500 a month for a group insurance policy, you’re paying $6,500 in premiums and $2,500 for the deductible.
But your policy might only cover you for 20% of your medical expenses, so that’s less than the $10,000 deductible for a family policy.
That $10-plus deductible might mean that you have to spend more money on deductibles than you would on health care, but Nash says that’s just the cost to you.
You’ll pay your deductible and co-payments upfront if you have insurance.
That will lower your monthly premiums, but the more you spend on your premiums, the less you’ll end up saving, Nash explains.
In addition, the higher your deductible, the more money you’ll spend on copayments and coinsurance.
That means your out-of-pocket costs will go down more than if you’re insured through a company.
You won’t have to worry about paying more than you should.
It’s a win-win situation.
If everyone stays healthy, that’s going to be good news for everyone.
Nash points to studies that