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Obamacare's 'mandate' meltdown
AEI ^ | Jan.19, 2014 | James C. Capretta, Jeffrey H. Anderson

Posted on 02/01/2014 11:05:07 AM PST by 1rudeboy

The president and his Democratic allies are finding it harder to make people buy insurance than they’d expected. Will Obamacare’s individual mandate survive?

Last month, the administration announced that anyone with a canceled 2013 individual insurance plan would be exempt from the “individual-responsibility requirement” this year, and would be allowed to buy the catastrophe-only insurance previously offered to those age 30 or under.

This exemption is likely only the first of many. How, for one, can the administration exempt people who had insurance last year but not exempt people who were uninsured because they couldn’t afford coverage?

Obamacare’s architects were always ambivalent about the mandate. They knew compulsion was necessary to make their system work — but, fearing a backlash, opted for a fairly weak penalty for those who didn’t obey. Oops: They wound up with a mandate that still provokes resentment, yet probably won’t work.

The US Supreme Court weakened the mandate even as it was saving Obamacare. The law’s authors hoped that the mandate would create the perception that insurance enrollment is now obligatory, but the high court made it clear that Congress has no authority to institute such a requirement. The justices ruled that the mandate could stand only as an optional tax, not as a fine for noncompliance.

So you’re not breaking the law by not buying (overpriced) Obamacare-compliant insurance; you’re just making the legal choice to pay the tax instead.

And that tax will generally be far lower than Obamacare premiums. That’s the clear conclusion of a new study by the 2017 Project, which compares premiums in the Obamacare exchanges in the 50 most populous US counties to the tax that households could pay instead.

(Excerpt) Read more at aei.org ...


TOPICS: Business/Economy; Culture/Society; Editorial; Government
KEYWORDS: individualmandate; obamacareenrollment; obamacarefailure; obamacaretax
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To: elkfersupper

You may want to check into the health sharing ministries. Deathcare exempt. Much cheaper than deathcare as well. Here are some threads on it.

http://www.freerepublic.com/focus/f-bloggers/3105496/posts

http://www.freerepublic.com/focus/f-bloggers/3105492/posts


21 posted on 02/01/2014 12:16:26 PM PST by RKBA Democrat (Having some small say in who gets to hold the whip doesn't make you any less a slave.)
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To: Gritty
... you will lucky if your heirs will have the money left in your estate to give you anything other than a pauper's burial.

I'm planing to be "lost at sea". All my heirs are share holders in GtG(LLC). They can just elect a new CEO.

Regards,
GtG

22 posted on 02/01/2014 12:54:51 PM PST by Gandalf_The_Gray (I live in my own little world, I like it 'cuz they know me here.)
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To: 1rudeboy

Send all the bills to the Democrat party. It’s their baby.


23 posted on 02/01/2014 12:55:52 PM PST by blueunicorn6 ("A crack shot and a good dancer")
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To: 1rudeboy; Liz

24 posted on 02/01/2014 12:58:18 PM PST by Libloather (Embrace the suck)
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To: 1rudeboy

It looks like some people are already gearing up for alternative medical care, if not a way out of 0bamacare itself. KSAT ran this story yesterday about nonprofit Family Faith Clinic. 2 locations, about 6 paid personnel, & about 100 medical professionals including primary care & specialists donate time & expertise. It is $50 a month/ $100 for a family for unlimited care or $30 to $65 per visit for primary care, including labs & minor surgeries. The article says that some small businesses are taking advantage of it.

http://www.ksat.com/news/clinic-filling-gap-for-working-uninsured/-/478452/24226326/-/11aqsuu/-/index.html

No responsible person commits to a clearly unaffordable situation in the best of times, let alone in an economy this unstable. They can keep their Medicaid. Between concierge type physicians & stuff like this, people will sort it out.


25 posted on 02/01/2014 1:09:33 PM PST by KGeorge (Till we're together again, Gypsy girl. May 28, 1998- June 3, 2013)
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To: TexasFreeper2009
Well, that's pretty much how my company ( Fortune 500 company) made out like a bandit on this insurance deal. They cancelled the PPO with it's long standing 1,000 dollar deductible forced us into a "Health Savings Account" with a 4,000 dollar deductible and cancelled our dental and vision insurance. It only looks like I'm insured now. The company PAYS NOTHING until I have blown thru 4 thou of my own money - then they cover between 10 and 70 %

What a deal, Eh? Lucky me. Thanks, Obama.

26 posted on 02/01/2014 1:50:35 PM PST by atc23 (The Confederacy was the single greatest conservative resistance to federal authority ever.)
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To: 1rudeboy

EVERY young peron that I’ve talked to about Obamacare says they’re not going to enroll; they’d rather take the penalty and they are mad as hell that they have to pay for it. Then I ask them, “did you vote for Obama?” and they either hang their heads, nod, or make an excuse why they voted for him but its very evident they realize they’ve been duped by a conman...


27 posted on 02/01/2014 2:04:40 PM PST by jsanders2001
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To: jsanders2001

I’m a young person and I voted hard against Obama both times.

Other than that, I’m in the same boat.


28 posted on 02/01/2014 3:15:36 PM PST by Luircin
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To: ProtectOurFreedom

Well, you make a good point, but, HST, civil massive disobedience will force change, and the change we want to force is REPEAL OBAMACARE!

I, for one, am ready, willing and able to use the LIEberal’s tactics against them!

Obamacare is an unjust, illegal and unconstitutional (I do not care what Mr. Chief Justice says, the damn law is unconstitutional!) law, and the Supreme Court has ruled that Americans have no obligation to obey illegal or unconstitutional laws!

WE WILL OVERCOME!


29 posted on 02/01/2014 4:18:09 PM PST by Taxman (So that the beautiful pressure does not diminish!)
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To: Qiviut

A couple of hours ago, I ginned up a spectacular response to your post. Then, I got distracted, and lost it. I’ll see if I can capture the gist of my remarks.

I would prefer “the silent, dogged resistance, withdrawal, and truculence of millions of ordinary people” approach to solving the problems that Ophonybama and his LIEberal/Socialist/Marxist/Fascist criminal enterprise has foisted on America.

But, somehow, I don’t think that is going to happen. Ophonybama is spoiling for a fight, and he and his cronies (thugs, every one!) will continue to push against America’s social, economic, legal and constitutional limits until they have pissed off a VERY large number of Americans.

I don’t think we can be “pushed” that far very easily, and the “push back” could get ugly.

I only can hope that the men and women who took the Oath to “preserve, protect and defend the Constitution against all enemies, foreign and DOMESTIC” took it seriously and know what to do when they are given illegal orders!


30 posted on 02/01/2014 4:33:52 PM PST by Taxman (So that the beautiful pressure does not diminish!)
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To: Qiviut

PS Great post, BTW! I got distracted when I checked your link and wound up spun off in another direction. That happens when you get to be my age! LOL!


31 posted on 02/01/2014 4:37:41 PM PST by Taxman (So that the beautiful pressure does not diminish!)
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To: babble-on
there's no reason to buy insurance until they get sick

And that's why Obama seems confident the insurance will take hold. Assume someone gets sick or has an accident or something that would've been expensive to pay for. So the patient is told "it's covered" and they only have to pay the deductible if they sign up. So they sign up and it'll be as an automatic deduction from a bank account or a charge to a credit card. You think that person will ever in their lives get to opt out of those automatic payments?

32 posted on 02/01/2014 5:12:27 PM PST by grania
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To: Luircin

> I’m a young person and I voted hard against Obama both times.

Other than that, I’m in the same boat.

You are an exception. I’d guess you are a Christian from a conservative family who was raised to be self-reliant, respect authority, and value integrity or learned by hardship or both. You are the hope of the future so don’t let ud own...: )

Everywhere i see the youth waking up to who Obama is, mainly due to Obamacare. They realize they were used and bought into the celebrity persona, swagger and occult of peronality image. The very same type of facade I see with professional conmen I investigate. He’s a conman peddling for the enemy but wearing the mask of the president. Watch the actions not the mouth. That reveals who they are everytime.


33 posted on 02/01/2014 5:14:54 PM PST by jsanders2001
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To: jsanders2001

^ us down


34 posted on 02/01/2014 5:15:58 PM PST by jsanders2001
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To: babble-on
If you get rid of the mandate but continue to require insurers to cover new sick people, there is no longer any reason for anyone in the country to buy “insurance” until they get sick.

That's how it worked in Maine...."Guaranteed Issue"

It totally destroyed the actuaries' ability to assess risk. The IM rates were the second highest in the US.

35 posted on 02/01/2014 7:42:01 PM PST by ROCKLOBSTER (Celebrate "Republicans Freed the Slaves" Month.)
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To: Taxman

I saw the term “Irish Democracy” in an article and although that author assumed you knew what it meant and I sort of got the ‘gist’ of what he meant, I wanted to know exactly, so I looked it up and the definition I found at the link referenced seemed pretty good. When I saw a post regarding CT’s ‘assault’ weapons registration ... the estimate is as much as 90% noncompliance, ‘Irish Democracy’ came to mind again. Then, the latest polls seem to show that the uninsured are not signing up for Obamacare. The “Irish Democracy” seemed to also fit what is going on with folks choosing not to comply with the mandate for various reasons. It seems to me to be a growing sentiment, perhaps a trend.

In general, I tend to agree with you - I think Obama & his thugs are looking for an opportunity to push people over the edge so they can do what thugs and The Man Who Would Be King would like to do .... rip up the Constitution & the rule of law and rule by martial law, imperial decree/fiat or whatever he thinks he can get away with. If that happens, there will be a fight ... a real one, for all the marbles.

Your attempt to reprise your first ‘spectacular’ response to my post is ... well, pretty spectacular! :-)


36 posted on 02/01/2014 8:30:49 PM PST by Qiviut (It's hard to be a donk if you're sane & it's hard to be a pubbie if you have any integrity.)
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To: Qiviut

I very much like the phrase “Irish Democracy,” and will incorporate it into my spoken and written usage. And, thanks for the link; I have it bookmarked.

Obama’s LIEberal thugs care not a whit for the American people, our history or our needs and desires. They are intent on forcing their square communist peg into our round Representative Republic hole, and will not be deterred.

I don’t think this event will end well — hopefully it will end better for US than them!


37 posted on 02/02/2014 6:43:42 AM PST by Taxman (So that the beautiful pressure does not diminish!)
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To: Taxman

I like learning new things (old dog, new tricks ...yada yada :-)and I learned something new with “Irish Democracy”!

FRegards & have a great day!
~Q~


38 posted on 02/02/2014 6:51:51 AM PST by Qiviut (It's hard to be a donk if you're sane & it's hard to be a pubbie if you have any integrity.)
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