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Despite Threats to the ACA, It is Time to Plan Long-Term

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By Allen Miller and Cindy Ehnes

The Affordable Care Act (ACA) has survived for a decade despite Congressional attempts to repeal it, executive orders to weaken it, and some Democratic Presidential candidates proposing to upend it in favor of a single-payer system.

Despite the political rhetoric and executive actions, participating ACA individual insurers experienced a highly profitable 2019. This resulted in the requirement to issue at least $743 million of excess premium rebates to individuals who make up the 2.7 million ACA customers. About 8.3 million people signed up for ACA coverage for 2020, holding mostly steady from 2019, and premium costs for most ACA products have slightly declined in 2020.

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