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What is Required (Continued)

Issues with Federalism

Health insurance exchanges will begin in each state offering a marketplace where individuals and small business can compare policies and premiums. Low income individuals and families will receive federal subsidies. Minimum standards for health insurance policies are to be established and annual and lifetime coverage caps will be banned. Firms employing 50 or more people but not offering health insurance will pay a shared responsibility requirement if the government has to subsidize an employee’s health care. The PPACA requires insurance companies to cover all applicants and offer the same rates regardless of pre-existing conditions or gender.

As with all federal mandates, Obamacare brought about the question of whether the authority to legislate the topic resides in the hands of the states or the federal government. Obamacare expands MediCaid, therefore increasing costs for states. However, Obamacare does not pay for these increased costs at all. Furthermore, Justice Kennedy believes that federalism requires the people to have choices, and the day they don’t marks the day that federalism no longer exists. The PPACA essentially requires people to buy health care or otherwise pay a penalty meant to imitate a tax. Businesses exceeding 50 employees are likewise required to provide coverage for their employees. If they do not comply, they could face fines of up to $3000 per uninsured employee. Justice Scalia, in his review of the act, went as far to ask whether congress could force the people to eat broccoli simply because it’s healthy.

What is Required?

The PPACA began to take effect in 2010, with the exception of the grandfather clause that exempts policies issued before 2010. The Guaranteed issue of the act requires policies to be issued regardless of any medical condition, and partial community rating will require insurance companies to offer the same premium to all applicants (the only exception being tobacco use). An individual mandate requires that all individuals not covered by an employer sponsored health plan, medicaid, medicare, or another public insurance programs, to secure an approved private insurance policy or pay a penalty. The only exception being if the individual was exempted by being a member of a recognized religious sect exempted by the IRS.

Liberal View on Act

What is it?

Liberal View on ObamaCare: Liberals viewed the PPACA to be undoubtedly constitutional, and heavily favored the bill, as they passed it without one “yes” vote from a Republican whatsoever. Primarily, liberals believe the mandate requiring people to purchase insurance to be a logical extension of federal authority to regulate the healthcare market. They believe that chaos would result from scrapping the mandate because insurance companies would have to insure anyone who asked for coverage — but they would be barred from charging premiums equal to a best guess of what the new customers will cost. Limiting how much insurers charge can work, but only if the mandate is in place — if everyone, the healthy as well as the sick, has to have insurance. It can’t work if people can go without insurance until they get sick and only then call up their friendly insurance broker and say “Cover me.” Ultimately, liberals think government-run health care to be the solution to all health care problems

The Patient Protection and Affordable Care Act was created in hopes to ensure that all Americans have access to quality, affordable health care and will create the transformation within the health care system necessary to contain costs.

What it is?

What it is: The PPACA is a United States Federal Statute signed on March 23, 2010 to take full effect by January of 2014. The PPACA is a collection of mandates, subsidies, and tax credits from the government. These measures are an attempt to entice both employers and the working class citizen to either get health care or broaden the amount of individuals that have healthcare. The act contains amendments that were added to it during the legislative process. Those amendments include the Health Care and Education Reconciliation Act of 2010, and the Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011.

Conservative View on Act

The conservative view on ObamaCare starkly contrasts that of liberals. Republicans view the Act to be severely unconstitutional in its requirement of people to purchase health insurance, and that the government completely oversteps its boundaries in penalizing those who don’t. Moreover, conservatives see forcing businesses employing over 50 workers to insure their employees as a detriment to job creation. New tax hikes caused by the bill will slow the economic recovery, the very cost of the act (over $1 trillion) will bust the budget, the expansion of the MediCaid program will cripple state budgets, and the benefit mandates prescribed by the new health care law will make all health benefits uniform, increase the cost of coverage, and stifle insurance innovation. Ultimately, republicans heavily oppose ObamaCare

What is the act about?

Libertarian View on Act

Patient Protection and Affordable Care Act

The Patient Protection and Affordable Care Act (PPACA) primarily attempts to decrease the number of uninsured Americans and reduce the overall costs of healthcare. To do this it includes mandates, subsidies, and tax credits to both employers and the average citizen to raise coverage rates. In addition to this goal, the PPACA also tries to improve healthcare outcomes and make the delivery of healthcare more efficient and speedy.

As a whole libertarians view that the government should not to provide universal health insurance or have anything to do with the personal affairs of its citizens. Health insurance is simply not the government’s concern, and the government infringes upon the rights of its citizens by providing universal health care. By making citizens buy health insurance the government is obligating its citizens to engage in an action they may want no part of. Even though, everyone may want health insurance, they may want something else more. They could lose out on that other want due to an inability to afford it, as they are required to spend their money on health care or the penalty they receive for not purchasing that health care. It is not the government’s place to obligate its citizens to do what it thinks they should do. Ultimately, libertarians see obamacare as a violation of American citizens’ liberties and think that the federal government should in no way be involved with personal health care.

Obama Care

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