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What Exactly are Reform Lawsuits Arguing?

February 24, 2011 in Affordable Health Insurance, College Students, Dependants, Employer Sponsored Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Exchange, Health Insurance Reform, Individual Health Insurance, Specialists

What Exactly are Reform Lawsuits Arguing?

By Ashley Ahle
February 24th, 2011

Lawsuits being filed against the Obama administration’s Patient Protection and Affordable Care Act (PPACA), have amounted to the unconstitutionality of the individual mandate, and whether the federal government has the legal power to enforce such a provision. Currently out of five lawsuits that have made it to the courts, two of them have passed while still three have been ruled constitutional.

Tuesday night, United States District Judge Gladys Kessler ruled in favor of health reform, stating that it does not violate the individual’s religious freedoms. She also stated that Congress is well within their means to penalize people who forgo insurance. under the Commerce Clause in the constitution.

A ruling in favor of a 26 state lawsuit against reform in Florida was upheld by Judge Roger Vinson. He dismissed the law in it’s entirety stating that picking apart the law and taking out the mandate would render it “toothless” anyway. The administration is asking Vinson to further clarify his ruling and will more than likely seek a stay of judgment, further delaying the case’s move to the Supreme Court.

When fighting the reform, the state’s main fear is that it would give the government too much power by allowing it to penalize individuals without, and force people to purchase health insurance. In defense, the government claims that everyone will buy health care at some point whether it’s with insurance or in an emergency. Without the mandate, premiums would skyrocket and no one would benefit.

Parts of the constitution that are being used in these cases are Commerce Clause, Supremacy Clause (states that federal power is supreme over state power), and the 10th amendment which leaves to the state “all powers not explicitly granted to the federal government go to the state.”

While it remains to be heard in the Supreme Court, it is also unclear if the PPACA can stand without the individual mandate. There may be too many other parts of the bill connected with the mandate that would have to be repealed or changed as well.

Don’t let any of this confuse you as these cases have yet to make it to the supreme court. As of now there has been no final decision about repeal and the cases are still being heard around the country.

Health Insurance Exchanges, Part 2

February 9, 2011 in Affordable Health Insurance, College Students, Dependants, Doctors, Employer Sponsored Plans, Grandfathered Health Plans, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Exchange, Health Insurance Reform, Individual Health Insurance, Primary Care Physician, Specialists

Health Insurance Exchanges, Part 2

By Ashley Ahle
February 9, 2011

Last week we left off talking about some of the costs related to insurance exchanges. What will directly cause insurance premiums to rise and how will exchanges help manage and keep them down?

Government money will be provided to help get the exchanges running, but what about after that? Well, subsidies will also be in place to help lower income families and individuals acquire coverage and pay for premiums.

The main reason people believe premiums will drop in price after the exchanges are in place, is because companies will be forced to have really competitive prices. These exchanges will need to be in the interest of the buyers, forcing the insurance companies to be very transparent about any rise in costs.

Insurance companies will still be setting their own prices, but within each state they can be rejected. Though the states can not set the premiums, they can however, reject certain plans if they think there is not enough justification for their cost.

Small businesses are concerned that exchanges will only complicate the process of insuring their employees because they would have to diversify their actual premium payments, rather than just writing one check. Though there will be significant tax deductions available for small businesses who opt into the exchange, the fear is that those deductions will not offset the cost of insures needing to meet certain plan standards.

For the small business owners, it may be difficult to make the change, however these exchanges would help make available millions of dollars for low-income and uninsured or un-insurable people. Not only will this help the US citizens, but the money will also help health insurers, hospitals, pharmaceuticals and physicians by reducing the amount of money each state spends on uncompensated care.

Why Health Reform Won’t be Repealed

January 20, 2011 in Affordable Health Insurance, Child(ren) Only Health Plans, College Students, Dependants, Doctors, Employer Sponsored Plans, Grandfathered Health Plans, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Exchange, Health Insurance Quotes, Health Insurance Reform, Individual Health Insurance, Primary Care Physician, Specialists

Why Health Reform Won’t be Repealed

By Aaron Carroll, Special to CNN
January 19, 2011 1:05 p.m. EST

Editor’s note: Dr. Aaron E. Carroll is an associate professor of pediatrics at the Indiana University School of Medicine and director of the university’s Center for Health Policy and Professionalism Research. He blogs about health policy at The Incidental Economist.

(CNN) — This week, the House of Representatives plans to vote to repeal the Patient Protection and Affordable Care Act. It will succeed….”

Health Care Reform New health-care rules could add costs, and benefits, to some insurance plans

June 15, 2010 in Affordable Health Insurance, College Students, Dependants, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Exchange, Health Insurance Quotes, Health Insurance Reform, Individual Health Insurance

Health Care Reform New health-care rules could add costs, and benefits, to some insurance plans http://ow.ly/17KFTo

Health Care Reform Extension of non-taxable health care coverage for children up to 26

June 11, 2010 in Child(ren) Only Health Plans, College Students, Dependants, Group Health Plans, Health Care, Health Care Costs, Health Care Reform, Health Insurance Reform, Individual Health Insurance

Health Care Reform Extension of non-taxable health care coverage for children up to age 26http://ow.ly/17HyhX

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