It’s not just for the 20 million people who have health insurance through the individual Obamacare exchanges or Medicaid expansion.
Under Obamacare, senior citizens pay less for Medicare coverage and for their prescription drugs. Many Americans have received free contraceptives, mammograms, colonoscopies and cholesterol tests. And small business employees with older and sicker workers have not been slapped with super-high premiums.
«The ACA made changes in every part of the health care system,» said Larry Levitt, senior vice president at the Kaiser Family Foundation, of the Affordable Care Act. «Virtually everyone has been touched by the ACA. »
President-elect Donald Trump and congressional Republicans have vowed to swiftly repeal Obamacare. They plan to start with the provisions that affect spending and revenues — including the federal subsidies, Medicaid expansion, taxes and mandates that all individuals obtain coverage and large employees provide it. That will require only a majority of votes in the Senate. But Republicans have promised to eventually undo all of President Obama’s signature health reform law, save for the provision allowing children under age 26 to stay on their parents’ plan.
Here’s how Obamacare and its full repeal would affect all Americans:
Medicare
Dismantling Obamacare would likely mean higher premiums, deductibles and cost-sharing for the 57 million senior citizens and disabled Americans enrolled in the program. It would also bring back the infamous «donut hole» in Medicare’s prescription drug coverage.
The health reform law made many changes to Medicare. It slowed the growth of payment rates to hospitals and other providers, reduced payments to Medicare Advantage plans and improved benefits for enrollees. Repealing Obamacare would increase Medicare spending by $802 billion over 10 years, according to estimates by the non-partisan Congressional Budget Office.
As a result, Medicare beneficiaries would pay more because premiums and deductibles are tied to the growth of federal outlays. So seniors would face higher deductibles and co-payments for their Part A, which covers hospital stays, and higher premiums and deductibles for Part B, which pays for doctor visits and other services. The White House estimated that the typical Medicare beneficiary is paying about $700 less in premium and cost sharing this year because of slower growth in costs.
Under Obamacare, Medicare enrollees receive free preventative benefits, such as screenings for breast and colorectal cancer, heart disease and diabetes. This provision would disappear under a full repeal.
Readers: How has Obamacare affected you? How should President-elect Trump reform health care? Email tami.luhby@cnn.com and we may cite you in an upcoming story.
Also, Obamacare called for closing the gap in Medicare’s drug coverage in stages, completely eliminating it by 2020. Senior citizens have to pay more for drugs while they are in the donut hole. For 2016, the gap begins when enrollees and their insurers have spent $3,310 for medication and ends after they hit $4,850 in costs. Since Obamacare was passed in 2010, more than 11 million people have saved an average of more than $2,100 a person on prescription drugs, according to the White House.
The donut hole would return if Obamacare were repealed.
Higher-income enrollees, however, would see some financial benefit from repeal. Obamacare froze the threshold for the Medicare premium surcharge at $85,000 for individuals and $170,000 for couples, so more people have become subject to it. The law also added a premium surcharge on drug coverage for wealthier beneficiaries.
Related: Obamacare under President Trump: What happens next?
Employer-sponsored insurance
Say goodbye to the employer mandate if Obamacare is repealed. Companies with at least 50 employees would no longer be required to provide affordable insurance to their staffers who work more than 30 hours a week.
This likely wouldn’t have a major impact on the 150 million workers who are insured through their jobs since most larger employers already offer coverage for full-time workers, Levitt said.
However, setting the bar at 30 hours a week prompted some employers to extend coverage to more of their staff, since many companies had considered that threshold to be part-time. If repealed, companies could opt to cover only those working at least 35 or 40 hours a week, leaving some people uninsured.
Also, companies would no longer have to keep children on their parents’ plans until they turn 26. This has proved to be one of the more popular Obamacare provisions, with 2.3 million Americans ages 19 to 25 signing up between 2010 and the start of open enrollment in 2013, according to the White House’s most recent figure. (Trump has said he may keep this policy.)
Workers, however, may have to start paying again for contraceptives and preventative screenings, such as colonoscopies and mammograms. Obamacare requires these to be provided free-of-charge.
Obamacare also prohibits employers from imposing annual or lifetime limits on benefits and caps out-of-pocket spending (to $6,850 for single workers in 2016). But most companies’ policies already met these criteria.
Repealing Obamacare could have a bigger hit on employees who work at companies with fewer than 50 workers.
They enjoyed many of the benefits Obamacare brought to the individual market. Insurers could no longer ban workers with pre-existing conditions or ask them to pay more. It required plans to cover an array of benefits, including maternity, mental health and prescription drugs. And it limited insurers from charging older workers premiums more than three times those of younger workers. All this could be reversed under repeal.
Related: How Trump may cover Americans with pre-existing conditions
Individual market
Obamacare has had the largest impact on the individual market, which was largely unregulated prior to the health reform law.
It sought to make health insurance more accessible and affordable in a number of ways. It required insurers to cover people with pre-existing conditions and banned them from charging the sick more. The law ended the practice of insurers imposing annual or lifetime caps on benefits, and it also placed limits on annual out-of-pocket spending. It mandated that individual insurance cover an array of benefits, including medication, maternity and mental health. It prevented insurers from charging women more and restricted premiums for older folks at no more than three times those of young adults.
Obamacare set up health insurance exchanges to allow Americans to shop for individual policies and created federal subsidies so low- and moderate-income enrollees could buy policies for less than 10% of their income. Another set of subsidies limit the deductibles and co-payments for lower-income policyholders. Some 10.4 million people were covered through the Obamacare exchanges , as of June.
Another 6.9 million Americans purchase individual policies outside of the Obamacare exchanges. They cannot apply for subsidies, but receive all of the other benefits.
(Trump has said he would continue to require insurers to cover those with pre-existing conditions, but only if they were continuously insured. Those who did not have coverage could be subject to higher premiums or forced to apply for policies in state-based high-risk pools.)
Related: Obamacare 2017 enrollment hits record
Medicaid
Before Obamacare, most Medicaid enrollees were low-income children, pregnant women, parents, the disabled and the elderly.
The health reform law opened up the program to low-income adults with incomes of up to 138% of the poverty line — $16,400 for a single person — in states that opted to expand their Medicaid programs. So far, 31 states, plus the District of Columbia, have done so, adding nearly 17 million more people to the rolls since late 2013, just before the provision took effect. (This figure includes both those newly eligible under expansion and those who always met the criteria.)
Related: Major changes for Medicaid coming under Trump and the GOP
Under the program, the federal government paid 100% of the costs of the expansion population for the first three years and slowly lowered the reimbursement rate to 90%.
Repealing Obamacare would leave millions of the poorest Americans without insurance.
Uninsured
Under Obamacare, nearly all Americans have to obtain insurance or pay a penalty, which this year hit $695 per adult or 2.5% of household income, whichever is greater. This mandate would be lifted by repeal.

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Nobody wants to overpay for flights, hotels or rental cars, because saving money usually means you’ll have more avenues for enriching your travel experience.
Here are six sites that can help in your hunt for bargains. Knowing you’re protected makes it easier to commit to a flight, a room or a car rental.
Yapta.com and its iOS app (for iPhones and iPads) tracks flight prices on seven domestic airlines to help fliers get the best price before and even after purchasing their fare.
After you enter your flight itinerary, Yapta will monitor prices and alert you if you are eligible for a refund or flight credit. Flight tracking is automatic when flights are booked using Yapta’s search engine.
Yapta’s customer service can assist if a traveler is uncertain about how to get a refund , Filsinger said.
For hotels, Tingo.com has proved to be “like found money” for George Hobica, founder of Airfarewatchdog.com, who uses it for personal travel. TripAdvisor launched it in 2012 to help travelers grab hotel deals.
Book under its “Price Drop” and Tingo will monitor your room rate for your trip dates. If the price decreases, the site automatically rebooks you at the lower rate and refunds the difference to your credit card.
Hobica cashed in on a trip to Las Vegas. “I got money back … on a two-night stay,” he said.
Although Tingo doesn’t charge a cancellation fee, some hotels do. When you book, the hotel’s cancellation policies are disclosed.
For those who want some backup for hotels, Booking.com , founded in 1997, has always used what it calls a best price guarantee , said Leslie Cafferty, vice president and head of communications.
“Hotels set the prices and you pay when you stay. You don’t pay in advance,” Cafferty said. If you find a lower rate at the same property in the same room category during your stay dates, Booking.com will match that lower rate.
For car rentals, AutoSlash.com tracks rental car coupons and rates in much the same way Yapta tracks flight prices. After booking a car rental on AutoSlash, the site checks to ensure you have the best rate. If a better rate is found with the same company, it will automatically rebook you at that rate. If the lower price is with another car rental company, AutoSlash asks your permission to rebook.
Priceline.com is the king of travel bidding sites. It lets travelers “name your own price” on a variety of travel products, but it doesn’t reveal the name of the provider until the bid is won.
It also has something called Express Deals that lets you skip the bidding process but still save money.
With either process, it offers a best price guarantee that “applies to every air, hotel, rental car, cruise and vacation packages sold on Priceline.com ,” Flavie LeMarchand-Wood, Priceline’s vice president of communications, said by email.
“If you find a lower price for the same itinerary, we’ll refund 100% of the difference.
“Book an Express Deal and we’ll refund 200% of the difference.”
For Express Deals and Name Your Own Price, travelers can make a claim up to midnight the day before the trip begins.
Expedia also has what it calls a best price for flights, rental cars and packages. For this one, claims must be made within 24 hours of booking.
The new rate must be an “apples-to-apples comparison,” Tarran Street, head of technology public relations for Expedia, said by email.
For instance, you must be on the same airline, same cabin class (first, business, premium economy or coach/economy). The same holds true for hotels, ships and rental cars.
Trip dates and times of service must be the same as booked through Expedia. If you find a lower price, Expedia also will give you a $50 coupon to use.
travel@latimes.com
The National Park of American Samoa, a haven of rainforest and empty beaches that includes pieces of three South Pacific Islands, is about 2,500 miles southwest of Hawaii.
Giant snow dump in the Sierra
Botanical wonders abound in the wild Sonoran Desert of Organ Pipe National Monument and Saguaro National Park. Just mind the heat. (Mark Boster / Los Angeles Times)
The next president will find a Washington, D. C., that’s dramatically different from the city Barack Obama saw at his inauguration in 2009, or even the one in 2013. Museums and hotels, new and renewed. Restaurants left and right. Lower crime and rising neighborhoods, too.
Motif. No. 1 might look like a modest fishing shack on the waterfront of Rockport, Mass., but there’s more to it. This two-minute video tells the tale.
Motif. No. 1 might look like a modest fishing shack on the waterfront of Rockport, Mass., but there’s more to it. This two-minute video tells the tale.

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The price of bitcoin has breached the $1,000 mark, hitting a more than three-year high on Monday.
The cryptocurrency was trading at $1,021 at the time of publication, according to CoinDesk data, at level not seen since November 2013, with its market capitalization exceeding $16 billion.
Bitcoin has been on a steady march higher for the past few months, driven by a number of factors such as the devaluation of the yuan, geopolitical uncertainty and an increase in professional investors taking an interest in the asset class.
«We are seeing the aftermath of zero interest rates run amok. So bitcoin is a healthy reminder that we don’t have to hold on to dollars or renminbi, which is subject to capital controls and loss of purchasing power. Rather it’s a new asset class,» Bobby Lee, chief executive of BTC China, one of the world’s largest bitcoin exchanges, told CNBC by phone.
China is the source of the majority of trade in bitcoin and the devaluation of the yuan and fears over capital controls have contributed to the recent spike in the digital currency.
But several other factors have also had a notable impact. For example, bitcoin’s price has appreciated around 137 percent in the past 12 months but got a big boost after Donald Trump won the U. S. election in November.
Another big event this year was in June when a change in bitcoin’s underlying rules meant those who were «mining» the cryptocurrency – a process whereby users are awarded with bitcoin if they solve complex mathematical puzzles in order for a bitcoin transaction to go through – received less rewards. This was due to the process known as «halving,» which essentially reduces the supply of bitcoin.
But overall, bitcoin experts said that the market is growing in terms of volumes and those participating, creating a «network effect» that will see the price rise further.
«The value of Uber in any city is directly dependent on the number of drivers and number of users, it’s not linear it’s exponential. The same is true of the value of bitcoin,» Lee said.

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Investors capped a year of solid gains on Wall Street Friday in a selling mood, sending the major U. S. stock indexes modestly lower on the final trading day of 2016.
Technology and consumer-focused stocks led the broad slide, while real estate companies and banks eked out small gains. As it had been for much of the week, trading was subdued ahead of the New Year’s Day holiday.
Despite riding out the last week of the year with losses, halting the Dow Jones industrial average’s momentum as it neared the 20,000 mark, 2016 delivered a much better finish for stock investors than most would have anticipated.
All told, the Dow ended the year with a 13.4 percent gain, while the Nasdaq composite gained 7.5 percent.
The Standard & Poor’s 500 index, the broadest measure of the stock market, gained 9.5 percent after an essentially flat finish in 2015. Including dividends, the total return was 11.96 percent.
Small-company stocks fared the best, especially since the election. The Russell 2000 index closed out 2016 with a gain of 19.5 percent.
«This was not just a market that did well, it did extremely well,» said Quincy Krosby, market strategist at Prudential Financial.
The stock market weathered repeated slumps in 2016, including the worst start to any year for stocks, the second correction for the market in five months and plummeting oil prices. A steadily improving U. S. economy and job market, as well as more stable oil prices and better company earnings growth helped turn the market around. More recently, investor optimism following the Republican election sweep in November kicked off a rally that sent the market to new heights.
Some of that enthusiasm evaporated in the final week of the year, as traders seized on the quiet period between the Christmas and New Year’s holidays to do some selling to lock in profits.
«So many times we look for a rally at the end of the year, particularly between Christmas and New Year’s,» said J. Kinahan, TD Ameritrade’s chief strategist. «But with the incredible up move we’ve had since the election, people are either hesitant to buy things heading into the new year or are taking a little bit of profit. »
On Friday, the Dow slid 57.18 points, or 0.3 percent, to 19,762.60. The S&P 500 index fell 10.43 points, or 0.5 percent, to 2,238.83. The Nasdaq composite gave up 48.97 points, or 0.9 percent, to 5,383.12.
The Russell 2000 lost 6.05 points, or 0.4 percent, to 1,357.13.
Bond prices rose. The yield on the 10-year Treasury note fell to 2.44 percent from 2.48 percent late Thursday.
Global stocks mostly rose on the year’s last day of trading.
Britain’s index rallied to hit another all-time high. The FTSE 100, which was trading for only a half day, rose 0.3 percent. That left the index 14.4 percent higher over 2016.
Elsewhere in Europe, Germany’s DAX rose 0.3 percent, while France’s CAC 40 gained 0.5 percent. Earlier in Asia, Japan’s Nikkei 225 fell 0.2 percent, while Hong Kong’s Hang Seng index rose 1 percent.
Benchmark U. S. crude fell 5 cents to close at $53.72 a barrel in New York. That translates into a 45 percent gain for the year. Brent crude, used to price international oils, slipped 3 cents to close at $56.82 a barrel in London.
In other energy trading, wholesale gasoline dropped 2 cents to $1.67 a gallon and heating oil held steady at $1.70 a gallon. Natural gas futures fell 7.8 cents, or 2.1 percent, to $3.72 per 1,000 cubic feet.
The price of gold fell $6.40 to $1,151.70 an ounce. Silver slid 23 cents to $15.99 an ounce. Copper rose 2 cents to $2.51 a pound.
In currency trading, the dollar strengthened to 116.78 yen from 116.65 yen late Thursday. The euro rose to $1.0531 from $1.0485.

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Switzerland’s reputation as a secretive tax haven looks set to end following the introduction of rules over sharing bank account data.
The International Convention on the Automatic Exchange of Banking Information (AEOI) entered into force on January 1, pulling Switzerland in to line with international standards on taxation.
The convention, developed by the Organization for Economic Co-operation and Development and the global financial industry, states that financial information on Swiss bank accounts held by citizens of certain countries will in future be shared annually and on an automatic basis.
In the past, Switzerland would only provide banking information if requested by a limited number of countries and even then, full co-operation was not guaranteed.
The regime came under international pressure in 2008 after the U. S. Federal Bureau of Investigation (FBI) probed a multi-billion dollar tax evasion case involving the Swiss bank, UBS.
According to the Swiss State Secretariat for International Financial Matters, Switzerland will now start collecting data on 1 January 2017 and exchange it for the first time in 2018.
The secretariat said the new standard makes provision for the mutual exchange of information. So Swiss institutions will now also receive yearly updates on the bank account details held by its citizens in other countries.
«Aside from Switzerland, almost 100 states, including all major financial centers, have declared their intention to adopt the standard,» the Swiss secretariat said on its website.
The Swiss parliament approved the deal in 2015 and the treaty was ratified in 2016.
According to Swissinfo.ch the data can only be used for tax collection efforts and cannot be made public.

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