AHSA Vs. ACA
Key Differences Between AHSA and ACA
The American Health Security Act (AHSA) is fundamentally different from the Affordable Care Act (ACA) in purpose, structure, and ambition. Here's a clear comparison:
AHSA
Purpose
Replace Medicare & Medicaid with a single, universal public insurance program
AHSA
Coverage Model
Single national public plan (AHSA) for all citizens and taxpayers
AHSA
Who Is Covered?
All U.S. citizens and taxpayers (universal, automatic enrollment)
AHSA
Cost to Individuals
Flat monthly contribution (~$150 on average), no deductibles or co-pays
AHSA
Role of Private Insurance
Private insurance optional for supplemental-only coverage (like Medigap)
AHSA
Pre-Existing Conditions
Fully covered
AHSA
Fraud/Bureaucracy Focus
Streamlined billing and administration; targeted fraud and waste reduction
AHSA
Administered By
Centralized National Health Fund Authority (NHFA)
AHSA
Funding
Single public fund through IRS-based, income-adjusted contributions
ACA
Purpose
Expand access to private insurance via marketplaces and Medicaid expansion
ACA
Coverage Model
Multi-payer system: private insurance + public programs
ACA
Who Is Covered?
Citizens, legal residents, and those who buy into the ACA exchanges or qualify for Medicaid
ACA
Cost to Individuals
Premiums, deductibles, co-pays, based on plan tier (bronze to platinum)
ACA
Role of Private Insurance
Still central to ACA coverage; heavily subsidized
ACA
Pre-Existing Conditions
Covered
ACA
Fraud/Bureaucracy Focus
Minimal; retains complexity of billing and multi-payer administration
ACA
Administered By
CMS, state exchanges, private insurers
ACA
Funding
Mix of premiums, subsidies, Medicaid, and ACA taxes