Lawsuit Filed Against Trump Administration over Alterations to Affordable Care Act's Insurance Exchanges

Lawsuit Filed Against Trump Administration over Alterations to Affordable Care Act's Insurance Exchanges

Washington state, led by Governor Bob Ferguson, is among a group of attorneys general who are challenging the Trump administration's changes to the Affordable Care Act (ACA) in a lawsuit. The lawsuit, which is being led by California Attorney General Rob Bonta and the attorneys general of Massachusetts and New Jersey, aims to defend Americans' healthcare coverage from the proposed changes.

The “Marketplace Integrity and Affordability” final rule, published in June 2025 and effective August 25, 2025, introduces several significant and controversial changes to the ACA Marketplace. These changes include pausing the low-income special enrollment period, loss of ACA Marketplace eligibility for Deferred Action for Childhood Arrivals (DACA) recipients, imposition of burdensome and costly paperwork requirements, limitation of opportunities to sign up for health coverage, substantial increases in insurance premiums and out-of-pocket costs, and exclusion of coverage for gender-affirming care as an essential health benefit (EHB) under the ACA.

According to the Trump administration, these changes could cause up to 1.8 million Americans to lose their health insurance coverage, and millions more to face higher costs. The multistate coalition of attorneys general, including those from Washington, California, Massachusetts, New Jersey, and 17 other states, argue that the rule is arbitrary, capricious, contrary to law, and violates the Administrative Procedure Act (APA).

The lawsuit seeks a preliminary injunction and stay to prevent parts of the rule from taking effect on August 25, 2025. If successful, the lawsuit could help thousands of Washingtonians hold on to their health coverage. Governor Ferguson emphasizes that the difference in filling gaps left by the final rule will come out of taxpayers' pockets. He states that everyone deserves affordable health care and that the state will stand against the Trump administration's efforts to strip away people's health care.

The changes to the ACA and related insurance exchanges, as proposed by the Trump administration, are being challenged in court by the multistate coalition of attorneys general. The lawsuit claims that the changes will make it harder and more expensive for Americans to obtain health insurance and access care. The Trump administration's proposed rule is considered unlawful by the attorneys general, who argue that it creates barriers to ACA health insurance access.

The lawsuit is supported by Pennsylvania Governor Josh Shapiro, and it is aimed at defending Americans' healthcare coverage from the changes proposed by the Trump administration. The coalition of attorneys general is working to ensure that all Americans have access to affordable and comprehensive health care, and that the ACA's protections for pre-existing conditions and essential health benefits remain in place.

In conclusion, the multistate coalition of attorneys general is challenging the Trump administration's changes to the Affordable Care Act in court. The suit aims to prevent the rule from taking effect and to protect Americans' healthcare coverage from the proposed changes. The case is ongoing, and the outcome could have significant implications for millions of Americans' access to affordable health care.

[1] California Attorney General's Office. (2025). Multistate coalition challenges Trump administration's Affordable Care Act changes in court. Retrieved from https://oag.ca.gov/news/press-releases/multistate-coalition-challenges-trump-administrations-affordable-care-act-changes-court

[2] Washington State Attorney General's Office. (2025). Washington state joins multistate lawsuit challenging Trump administration's Affordable Care Act changes. Retrieved from https://www.atg.wa.gov/news/press-releases/washington-state-joins-multistate-lawsuit-challenging-trump-administrations-affordable

[3] Massachusetts Attorney General's Office. (2025). Massachusetts joins multistate lawsuit challenging Trump administration's Affordable Care Act changes. Retrieved from https://www.mass.gov/news/massachusetts-joins-multistate-lawsuit-challenging-trump-administrations-affordable-care-act

[4] New Jersey Attorney General's Office. (2025). New Jersey joins multistate lawsuit challenging Trump administration's Affordable Care Act changes. Retrieved from https://www.nj.gov/oag/newsreleases20/pr2025-06.html

[5] Pennsylvania Governor's Office. (2025). Pennsylvania joins multistate lawsuit challenging Trump administration's Affordable Care Act changes. Retrieved from https://www.governor.pa.gov/newsroom/governor-shapiro-joins-multistate-lawsuit-challenging-trump-administrations-affordable-care-act-changes/

1. The Affordable Care Act (ACA) is being challenged due to the Trump administration's proposed changes in the Marketplace, with notable states like Washington, California, Massachusetts, New Jersey, and others taking legal action.
2. In a lawsuit, the attorneys general aim to defend Americans' health coverage from the proposed modifications, which could lead to millions losing their coverage or facing higher costs.
3. The "Marketplace Integrity and Affordability" final rule, effective August 25, 2025, introduces various contentious amendments to the ACA Marketplace, such as pausing the low-income special enrollment period.
4. These changes could exclude coverage for gender-affirming care, impose burdensome paperwork requirements, limit opportunities to sign up for health coverage, and substantially increase insurance premiums and out-of-pocket costs.
5. The multistate coalition of attorneys general, led by California, Massachusetts, and New Jersey, argues that the rule is arbitrary, capricious, contrary to law, and violates the Administrative Procedure Act (APA).
6. They seek a preliminary injunction and stay to prevent parts of the rule from taking effect on August 25, 2025, potentially saving health coverage for thousands of Washingtonians.
7. Governor Ferguson highlights the financial burden on taxpayers due to the proposed rule's gaps, emphasizing the importance of affordable healthcare for all.
8. The lawsuit aims to protect Americans' healthcare coverage from changes that will make it harder and more expensive to obtain health insurance and access care.
9. The attorneys general view the proposed rule as unlawful, stating that it creates barriers to ACA health insurance access.
10. Pennsylvania Governor Josh Shapiro supports the lawsuit, which is aimed at defending Americans' healthcare coverage from the Trump administration's proposed changes.
11. The coalition of attorneys general is dedicated to ensuring that all Americans have access to affordable and comprehensive healthcare, with ACA's pre-existing conditions and essential health benefits protections safeguarded.
12. The outcome of this ongoing case could have significant implications for millions of Americans' access to affordable healthcare.
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