How Clinton, Trump differ on benefit policies
The Affordable Care Act
Trump: Seeks a repeal of the ACA, but wants to keep some parts of it, including the pre-existing condition exclusion provisions.
Cadillac tax
Parental leave
Trump: Promises “six weeks of paid maternity leave to any mother with a newborn child whose employer does not provide the benefit.” His plan outlined on his website does not mention if the policy applies to same-sex parents. He says his maternity leave policy will be completely paid for through the unemployment insurance program.
Clinton: Promises 12 weeks of paid family leave to care for biological and adopted children. Her policy applies to parents of either or both genders. According to her website, her parental leave policy will be paid by “tax reforms that will ensure the wealthiest Americans pay their fair share.” Parents on parental leave can expect at least 67% of their current wages, up to an as-yet-unspecified ceiling, Clinton says.
Cost of health coverage
Trump proposes to increase consumer choice, provide individual tax relief for health insurance and keep plans portable and affordable. He also seeks to break health insurance company monopolies and allow individuals to buy insurance across state lines.
Clinton has also argued against health insurance monopolies and has published a comprehensive plan for reducing out-of-pocket health insurance costs.
Subsidized childcare
Clinton’s policy aims to cap childcare at 10%, relying on tax cuts or state block grants to subsidize costs exceeding that mark.
Trump’s childcare policy allows families with a stay-at-home parent to deduct the average cost of childcare from their taxes through an Earned Income Tax Credit. “For low-income individuals who have no net income tax liability, we will offer an expanded earned income tax credit, that’s EITC, in the form of a childcare rebate,” he says. “Working parents can get an expanded EITC benefit that equals up to half of their total payroll tax, a major relief for low-income parents.”
Dependent care savings accounts
Clinton does not include a dependent care savings account in her policy.
Childcare options
Trump’s childcare plan includes a tax credit for employers to provide childcare at the workplace and contribute to an employees’ cost of childcare.
Prescription drug costs
Insurer consolidation
Transparency
Consumer-driven healthcare
Purchasing insurance across state lines
Medicare-for-all/single-payer solution
Trump: While he says he would repeal the ACA, he has made comments suggesting he would be open to some kind of free healthcare option or single-payer system.