Late last week a memorandum was released detailing the reasons why the White House will not currently implement the Class Act. The Class Act was the long-term care services (or LTC) portion of the Affordable Care Act. A voluntary, national LTC insurance program was to be established and was required to be funded entirely through enrollee premiums without taxpayer subsidies. The Affordable Care Act also set forth various enrollment and benefit rules which would have fostered adverse selection. The memorandum states that the program would be financially unstable and require taxpayer funding to keep viable if it was implemented under the current version. Due to the lack of long-term viability of the CLASS Act, HHS decided not to implement the program.