• Home
  • Latest
  • Fortune 500
  • Finance
  • Tech
  • Leadership
  • Lifestyle
  • Rankings
  • Multimedia

Trendingnow

1

Mark Cuban says he has the solution to growing income inequality, and it's to reward every employee—from CEO to janitor—with company stock

2

‘I want to die broke’: Billionaire philanthropist Denny Sanford dies after giving away $4 billion

3

'Dr. Doom' Nouriel Roubini says we're headed for universal basic income or 'some form of socialism' as AI revolutionizes work—He calls that optimistic

1

Mark Cuban says he has the solution to growing income inequality, and it's to reward every employee—from CEO to janitor—with company stock

2

‘I want to die broke’: Billionaire philanthropist Denny Sanford dies after giving away $4 billion

3

'Dr. Doom' Nouriel Roubini says we're headed for universal basic income or 'some form of socialism' as AI revolutionizes work—He calls that optimistic
LeadershipPolitics

How Obamacare Lives On, Despite Trump’s Best Efforts

By
Sahil Kapur
Sahil Kapur
and
Bloomberg
Bloomberg
Down Arrow Button Icon
By
Sahil Kapur
Sahil Kapur
and
Bloomberg
Bloomberg
Down Arrow Button Icon
April 30, 2019, 3:27 PM ET
Add Fortune on Google for similar content.

The U.S. health-care law known as Obamacare turns 10 next year but still finds itself at existential risk both politically and legally. Millions of Americans owe their health coverage to the law enacted under President Barack Obama and fellow Democrats, even as opponents have successfully trimmed its scope. It remains a target for elimination by the Republican Party and Obama’s successor, President Donald Trump, who calls it “really bad health care.”

1. How much of Obamacare still exists?

Most of it, including tax subsidies to help people afford coverage and, in 37 states as of April 2019, expanded eligibility for Medicaid, the U.S. health insurance program for low-income Americans. Key Obamacare consumer protections that also remain in place allow children to stay on a parent’s policy until age 26, require insurance companies to treat people with preexisting conditions equally and prohibit the imposition of annual or lifetime coverage limits.

2. How many Americans are covered because of Obamacare?

Roughly 20 million. About two-thirds of them joined Medicaid as a result of the expanded eligibility. The rest found coverage by comparison-shopping among private insurers at government-run online marketplaces, which provide subsidies for people who make up to 400 percent of the federal poverty level. (The expanded version of Medicaid enrolls people earning up to 138 percent of the poverty line.) Even with Obamacare in place, 28.5 million Americans lacked coverage in 2017. The U.S. is an outlier among developed countries by not having universal health coverage.

3. Which parts have been eliminated?

Obamacare originally required all states to participate in the expanded Medicaid program; the Supreme Court, in a 2012 split ruling that upheld most of the law, struck down the requirement, saying the federal government can’t threaten to withhold funds from states that don’t comply. The law as written also required all Americans to buy health insurance — the so-called “individual mandate” — at risk of a tax penalty. A tax overhaul passed by Republicans and signed by Trump in 2017 eliminated the penalty for noncompliance, rendering the mandate moot. The Trump administration has further whittled away at Obamacare with executive actions, including one that cut funding for “navigators” that help sign people up.

The law as written also required all Americans to buy health insurance — the so-called “individual mandate” — at risk of a tax penalty.

4. Wasn’t Obamacare supposed to be dead by now?

It might have seemed so in 2017, when Republicans took control of both chambers of Congress and Trump became president. But after their repeal measure failed by one vote to advance in the Senate, party leaders moved on to other issues. With Democrats now in the majority in the House, Obamacare is safe from legislative attacks, though it’s still vulnerable on the legal front.

5. What legal threats does it face?

The main one at the moment is a lawsuit brought by 20 states arguing that when Congress voided the penalty for not having insurance, all of Obamacare was rendered unconstitutional. In December, a U.S. judge in Texas sided with the challengers in an explosive ruling that Trump celebrated on Twitter but is on hold pending further appeal. With the Trump administration refusing to defend Obamacare, the state of California stepped up to do so. Many legal scholars describe the lawsuit as far-fetched and unlikely to prevail should it reach the U.S. Supreme Court. Five justices who voted to uphold Obamacare against major challenges in 2012 and 2015 remain on the nine-member court.

6. What happens if Obamacare is struck down by the courts?

An adverse Supreme Court ruling would cause a “thermonuclear meltdown on the health policy front” that would throw the U.S. system into chaos, said Douglas Holtz-Eakin, an economist with the conservative think tank American Action Forum. It would instantly rescind coverage for millions of Americans as well as undo consumer protections and regulations that have reshaped the business models for insurers, drug companies, hospitals and doctors.

7. What could replace it?

For now, there’s no viable replacement plan in Congress and little chance the two parties could agree on something new. After Trump encouraged fellow Republicans to propose an alternate vision and become “the party of health care,” Republican leaders in Congress showed no appetite — and the president had to punt his goal to 2021. An added challenge is clearing the very high bar Trump set while running for president in 2016: He promised not only to repeal Obamacare — a goal shared by virtually every Republican in Congress — but to replace it with a plan “that will broaden health care access, make health care more affordable and improve the quality of the care available to all Americans.”

8. Is Obamacare viable for the long term in its current state?

Some health economists worry about a “death spiral” of rising costs without a mechanism to force healthy Americans to get covered. (Healthier people buying coverage keeps costs down for sick people.) Another Obamacare weakness is the limited coverage options available to Americans in rural and remote parts of the country. And in the mostly Republican-led states where elected leaders have declined to expand Medicaid eligibility, many residents fall in a coverage gap, earning just enough income that they don’t qualify for subsidies.

9. Do Americans wants Obamacare to stay or go?

U.S. public opinion of the law was mostly negative from its passage in March 2010 until Trump became president and moved to repeal it, according to tracking surveys by the Kaiser Family Foundation. The threat of elimination put a spotlight on popular provisions of the law, notably its prohibition on insurers charging sick people more for coverage and its list of “essential health benefits,” like hospitalization and maternity care, that must be covered. (Republicans pushed legislation in 2017 that would let states waive those rules and devise alternate systems.) Kaiser’s tracking survey found in March 2019 that 50 percent of Americans viewed the law favorably, while 39 percent viewed it unfavorably.

About the Authors
By Sahil Kapur
See full bioRight Arrow Button Icon
By Bloomberg
See full bioRight Arrow Button Icon
Add Fortune on Google for similar content.

Latest in Leadership

Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025

Most Popular

Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Fortune Secondary Logo
Rankings
  • 100 Best Companies
  • Fortune 500
  • Global 500
  • Fortune 500 Europe
  • Most Powerful Women
  • World's Most Admired Companies
  • See All Rankings
  • Lists Calendar
Sections
  • Finance
  • Fortune Crypto
  • Features
  • Leadership
  • Health
  • Commentary
  • Success
  • Retail
  • Mpw
  • Tech
  • Lifestyle
  • CEO Initiative
  • Asia
  • Politics
  • Conferences
  • Europe
  • Newsletters
  • Personal Finance
  • Environment
  • Magazine
  • Education
Customer Support
  • Frequently Asked Questions
  • Customer Service Portal
  • Privacy Policy
  • Terms Of Use
  • Single Issues For Purchase
  • International Print
Commercial Services
  • Advertising
  • Fortune Brand Studio
  • Fortune Analytics
  • Fortune Conferences
  • Business Development
  • Group Subscriptions
About Us
  • About Us
  • Press Center
  • Work At Fortune
  • Terms And Conditions
  • Site Map
  • About Us
  • Press Center
  • Work At Fortune
  • Terms And Conditions
  • Site Map
  • Facebook icon
  • Twitter icon
  • LinkedIn icon
  • Instagram icon
  • Pinterest icon

Latest in Leadership

ford
Commentary250 Years of Innovation
Alliance for America’s Skilled Trades: Skilled trades shaped America’s past. Here’s how they can build America’s future
By Jim Farley, Linda Hubbard, Bayo Ogunlesi and Ruth PoratJuly 21, 2026
17 minutes ago
chad
AIConsulting
Exclusive: KPMG and OpenAI bet the future of software is ‘headless’ — and the future of work is mostly talking
By Nick LichtenbergJuly 21, 2026
17 minutes ago
United Airlines’ growth strategy is all about selling customers a better version of what they already buy
NewslettersCEO Daily
United Airlines’ growth strategy is all about selling customers a better version of what they already buy
By Phil WahbaJuly 21, 2026
22 minutes ago
$5 billion tech CEO says unemployed Gen Z should be out 3 days a week building their network: ‘Sometimes those jobs you want, they’re never published’
SuccessCareers
$5 billion tech CEO says unemployed Gen Z should be out 3 days a week building their network: ‘Sometimes those jobs you want, they’re never published’
By Orianna Rosa RoyleJuly 21, 2026
3 hours ago
Three women chop their way into the record books at Lumberjack World Championships
North AmericaWisconsin
Three women chop their way into the record books at Lumberjack World Championships
By The Associated Press and Ellen SchmidtJuly 20, 2026
13 hours ago
LaLiga president says tech is already making the fan experience better, and it could solve football’s money problem too
AISports
LaLiga president says tech is already making the fan experience better, and it could solve football’s money problem too
By Catherina GioinoJuly 20, 2026
14 hours ago

Most Popular

Mark Cuban says he has the solution to growing income inequality, and it's to reward every employee—from CEO to janitor—with company stock
Success
Mark Cuban says he has the solution to growing income inequality, and it's to reward every employee—from CEO to janitor—with company stock
By Sasha RogelbergJuly 20, 2026
17 hours ago
‘I want to die broke’: Billionaire philanthropist Denny Sanford dies after giving away $4 billion
Success
‘I want to die broke’: Billionaire philanthropist Denny Sanford dies after giving away $4 billion
By Sydney LakeJuly 20, 2026
21 hours ago
'Dr. Doom' Nouriel Roubini says we're headed for universal basic income or 'some form of socialism' as AI revolutionizes work—He calls that optimistic
AI
'Dr. Doom' Nouriel Roubini says we're headed for universal basic income or 'some form of socialism' as AI revolutionizes work—He calls that optimistic
By Jason MaJuly 18, 2026
2 days ago
Warren Buffett says his $147 billion investing career was an accident: ‘I may be one of the 10 luckiest in the world’
Future of Work
Warren Buffett says his $147 billion investing career was an accident: ‘I may be one of the 10 luckiest in the world’
By Sarah GlodekJuly 20, 2026
1 day ago
Current price of silver as of Monday, July 20, 2026
Personal Finance
Current price of silver as of Monday, July 20, 2026
By Joseph HostetlerJuly 20, 2026
1 day ago
It’s not just Taco Bell lettuce and possible glass in Pillsbury rolls: Food and drink recall events reached a 6-year year-over-year high
Retail
It’s not just Taco Bell lettuce and possible glass in Pillsbury rolls: Food and drink recall events reached a 6-year year-over-year high
By Sasha RogelbergJuly 20, 2026
1 day ago

© 2026 Fortune Media IP Limited. All Rights Reserved. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy | CA Notice at Collection and Privacy Notice | Do Not Sell/Share My Personal Information
FORTUNE is a trademark of Fortune Media IP Limited, registered in the U.S. and other countries. FORTUNE may receive compensation for some links to products and services on this website. Offers may be subject to change without notice.