These people are opting out of Obamacare – CNNMoney

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“I’m paying $6,000 to have the privilege of then paying another $5,000 [in deductibles],” said Lopez, who lives in Downey, California, a suburb of Los Angeles. “It’s baloney — not worth it.”

While millions of people have gained coverage through the Affordable Care Act, an estimated 28 million Americans remain uninsured. And preliminary data shows that about 5.6 million paid a tax penalty rather than buy health insurance in 2015, according to The New York Times.

Now the future of Obamacare is uncertain. President-elect Donald Trump has made clear that the dismantling of the ACA will be one of his top priorities as soon as he takes office.

Some resisters like Lopez are feeling vindicated and other consumers simply don’t see the need to sign up. Still others, according to Affordable Care Act advocates, are eager to take advantage of what will likely be at least one more year of subsidized coverage.

Doreena Wong, a project director at the Los Angeles-based nonprofit Asian Americans Advancing Justice, said consumers have already begun to express doubts on whether they should bother enrolling. That is despite redoubled efforts in recent days by the state and federal exchanges to encourage signups.

“Some people may ask: If it’s going to be dismantled, why sign up?,” she said.

Related: Rising Obamacare premiums anger those paying full price

Weiyu Zhang, a health educator and enrollment counselor with Asian Americans Advancing Justice, has enrolled 10 people since the election, which is about average for the beginning of the enrollment season, she said.

“Every single one has brought up the election and has expressed concern about signing up,” Zhang said. People are asking whether subsidies might go away and whether premiums will rise or fall, Zhang said.

“What we know is that changes will not happen immediately, and if they want coverage in 2017, they should sign up,” Zhang said.

Getting rid of the ACA in its entirety on day one of the Trump administration is practically impossible, said Erin Trish, an assistant research professor in public policy at the University of Southern California. Although Republicans to date have offered no official replacement plan, what’s expected is a different approach with a less regulated health insurance market, Trish said.

She said the election’s effect on this year’s open enrollment period, which ends January 31, could go either way. Rather than opting out, many people might consider it important to get covered in case the ACA replacement options hinge on whether people had coverage in place, Trish said.

According to the U.S. Department of Health and Human Services, more than 100,000 people signed up for coverage the day after the election. In the first 12 days of open enrollment, one million people had selected plans on Healthcare.gov, the federal exchange website. That number was up 53,000 from the same period last year, according to the agency.

Related: Obamacare enrollment projected to grow 9% in 2017

Lopez said repealing Obamacare is fine with him. Being penalized for not being insured is absurd, he said.

“The government should not be in the business of forcing us to buy anything,” he said.

Yet, Lopez does believe that covering those with preexisting conditions is a good thing.

So what happens if Lopez becomes ill? He must pay out of pocket.

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