Pendulum in the News

William DeMarco provides his perspective to MCOL ( for the thought provoking question, "What from your perspective will be the impact and implications of President Trump’s recent executive order on healthcare choice and competition?". Click here to read more on the website.

This Kaiser Family Foundation Article provides an in-depth look at possible Affordable Care Act (ACA) replacement proposals as well as provides materials for readership to put together a thorough comparison of each.

Plans available for comparison:

  • The Affordable Care Act, 2010 (PDF)
  • Rep. Tom Price’s Empowering Patients First Act, 2015 (PDF)
  • House Speaker Paul Ryan’s A Better Way: Our Vision for a More Confident America, 2016 (PDF)
  • Sen. Bill Cassidy’s Patient Freedom Act, 2017 (PDF)
  • Sen. Rand Paul’s Obamacare Replacement Act, 2017 (PDF)

Click here to visit the article and run the comparison report provided on the site. You may compare up to 3 plans using the comparison tool.

In a Q&A style blog article, Mark Miller of RetirementRevised outlines how Medicare "modernization" proposals under a GOP majority government will affect enrollees.

Click here to be directed to the article on

How Repealing Portions of the Affordable Care Act Would Affect Health Insurance Coverage and Premiums.

Click here to download the Congressional Budget Office's January 2017 article discussing the ways that repealing portions of the ACA will affect health insurance coverage and premiums.


Client Advisory on what we know so far.

Our Team has sat through several sessions including with members of the Trump transition team, Deloitte, McDermott, Will, and reviewed as many blogs from experts as we could find on both sides of the aisle. While there is definitely an advantage for Trump to not answer definitive questions there are some strategies now moving forward that will change the ACA.

Our conclusion is that Trump will try to repeal the ACA using Reconciliation instead of a vote. A vote requires 60 members of the Senate to agree and the GOP, while dominate, does not have the votes. Reconciliation requires 51 and they already have experience getting this process through the Senate with HR 3752, but it was vetoed by Obama. This represents a blueprint for what will happen. Reconciliation has its limits however, and that is the points in the law that would be changed can only be changed if they are items of current or future revenue.