Question: I currently get a subsidy for my insurance on Covered California. If the Affordable Care Act is repealed, will I be able to change my plan to a lower-cost plan?
Answer: While it now seems certain that the Affordable Care Act (Obamacare) will be replaced, nobody knows what will replace it. We can make some educated guesses though. President Elect Trump had indicated that he wants to keep the "guaranteed issue" feature, but those with preexisting conditions could pay a higher premium. Look for subsidies as well as penalties to go away. The health insurance companies will be less restricted in what they can offer. Look for cheaper plans that don't cover as much. So you will probably not be able to buy a lower-cost plan, but without a subsidy.