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THE PATIENT’S PROTECTION AND AFFORDABLE CARE ACT, 2010
AND THE “INDIVIDUAL MANDATE” CLAUSE:
A Non –Biased Look From a Bystander’s Viewpoint.
Author (Name of Student)
Instructor’s Name
Name of Course
Date.
The PPACA and the ‘Individual Mandate’
Introduction
Whatever Conservative politicians my think or comment on the Patient Protection Affordable Care Act (PPACA) of 2010, no one can deny that health care reform is an area of the development of the nation, which is crucial. The right to good health can be said to be a fundamental right of a citizen. As per Fuchs and Ezekiel[1], the United States spends a much higher amount on healthcare in comparison to other developed countries. In 2005, the US spent $ 6,401 per person. The countries next on the line, Norway and Switzerland spent $4,364 and $4,177 respectively. The United States spends 2.3 times the average healthcare budget of other developed economies but if the results are looked at, there is nothing to attribute the increased expenditure to (say faster recovery, increased immunity, less mortality etc.) as the results are unimpressive. This can be seen in the chart labelled Healthcare Expenditure compiled in Appendix I towards the end.
Healthcare Reforms were therefore on the cards for a number of years till President Obama sat down to business and on signed the PPACA Bill into law on 23rd March 2010. However, as is seen with all major bills, bitter opponents of the bill sprang into action, issued statements and filed cases against the bills implementation. In this paper, a sincere attempt will be made to analyze the main arguments in this regard and to establish the importance of the various arguments and issues relating to the same.
The Individual Mandate provision of the PPACA
The Patient Protection Affordable Care Act is a very complex piece of health care legislation. Its primary function is to regulate the accessibility, quality and affordability of healthcare insurance against a minimum ceiling payment which is known as the ‘Individual Mandate”. Though the ACA was signed into law by President Barack Obama in March 2010, the implementation of the act was only from 2014, i.e. the initial stages. The unveiling of the Act will continue in 2015 and go on till 2022. As the actual act is very wordy and long, for the purpose of this essay the ACA ( as the PPACA will be referred to hereinafter) can best be explained in a précis as follows:
&XXXXX;XXX Affordable XXXX XXX increases XXX XXXXXXX, accessibility, and XXXXXXXXXXXXX XX health insurance. In XXXXXXXX, XXXX people who can XXXXXX XX must XXXXXX Health Coverage by 2014 or pay a per-month XXX. The XXX eliminates pre-XXXXXXXX conditions, stops XXXXXXXXX XXXXXXXXX from dropping you XXXX you are XXXX, protects against gender XXXXXXXXXXXXXX, XXXXXXX free preventative XXXXXXXX XXX health benefits, XXXXXXX XXXXXXXX XXX XXXX, improves XXXXXXXX, requires larger employers to insure their XXXXXXXXX, XXXXXXX a XXXXXXXXXXX for XXXXXXXXXX XXXXXXXXX XXXXXXXXX XXXX XX millions XXXXXXXXXXX, XXXXXXXX, XXX small XXXXXXXXXX with XXXX or XXX-cost health XXXXXXXXX, XXX XXXXXXXXX healthcare spending and the deficit.”[X]
XXX XXXXXXXXXX Mandate XXX XXX XXX
XX per the ACA, all XXXXXXXX XXXXXX XXXX than XX years (save XXXXXXX exempted XXXXXX) XXX required to have a XXXXXXX XXXXXX insurance XXXXX, XXXXXXXX XXXX 2014 onwards. XXX XXXXXXX XXX XX XXXX XX your contribution XX XXXXXX XXXX health insurance XXXXX affordable XXX all. XXX XXXXXXXXXX can XX classified into (a) XXX XXXXXXX falls in the classes XXXXX are exempt from XXX XXX and (b) XXX assesses’ XXXXXXXXXXX for XXX XXXXXXX XXXXXXX XX satisfied for XXX year and there is XX further liability of penalty for failing to meet XXXXXXX health insurance mandate.[X] As XXXX XX XXX XXXXX year XXXXX XXXXX XXX mandate XXX( penalty) records XXXX XX XXXXXXXXX XX the IRS, XX XXX assume that the XXXXXXX XXX XXXX be XXXXXXXXX XX XXXX XXXXX XXXXXX XX XXX Fourth XXXXXXX of XXXX.
American Citizens, XXX XXXX under XXX following sections, are XXX XXXXXXXX XX have health XXXXXXXXX [i.e. XXXXX (a) XXXXX]. XXXXX are
I. XXXXXXX of a religious XXXXX XXXXX XXXXXXX sharing of XXXXXXXX from a health XXXXXXXXX XXXXXXXXX company.
II. XXXXXXXXXXXX Immigrants.
XXX. XXXXXX who are XXXXXXXXXXXX.
IV. Members of XXXXXX XXXXXXXX/ XXXXXX XXXXXX.
V. Citizens XXXXX XXXXXXXX XXX so low XXXX tax returns need not XX XXXXX. (XXXXXXXXX $10,000 XXX an XXXXXXXXXX and $20,XXX for a family in 2013).
XX. XXXXXXX XXXXX health XXXXXXXXX payments exceed X% XX their XXXXXX, after XXXXXX into XXXXXXX XXXXXXXX XXXXXXXXXXXXX or tax credits.
We then XXXX XXXXX (b) XX which those XXXXXXX XXX XXXXX’s XXXXXXXX need XXX buy XXX XXXXXX XXXXXXXXX XXXX year as they are XXXXXXX XXXXXX to XXXX XXXXXXXXX their XXXXXXXXXXX in that regard. The citizen XXXX fall under this group if he or she was XXXXXXX XXXXX XXX XXXXX XXXX under XXX following schemes or a XXXXXXXXXXX of XXXX.[X]
1. Medicare
2. Medicaid or XXXX ( XXXXXXXX’s XXXXXX XXXXXXXXX Program).
3. XXXXXXX (for service members, XXXXXXXX XXX their families)
4. Veteran’s Health Insurance XXXXXXX
5. XXXX offered XX an Employer.
6. XXXXXXXXX brought by XXXX (XX least XX the XXXXXX level)
X. XXXXXX of a XXXXXXXXXXXXX XXXXXX Plan which was in existence prior to March 26, 2010.
XXXXXX a citizen is XXXXXXXX XX given XXXXX, he XX liable XXX health XXXXXXXXX XX XXX XXXXXXX levels XX
XXXX: $XX for adult and $47.50 for child (XXXX to $285 XXX a family XXXXXX) or X.X% of XXXXXX XXXXXX whichever is more.
XXXX: Penalty $XXX for XXXXX XXX $162.50 for XXXXX ( XXXXXX XX $975 XXX XXXXXX) or X.X% of XXXXXX income, whichever is more.
2016 XXX XXXXXX: XXXXXXX $695 for XXXXX and $347.XX XXX child ( capped XX $2,XXX for family) or X.5% XX family XXXXXX, whichever XX XXXX.
Beyond 2016, the 2016 XXXXXXX XXXX apply but post XXXX of XXXXXX XXXXXXXX (inflation XXXXXXXXXXX)[5]
It can be XXXX XXXX XXX best XXXX XX the act is regulating XXX XXXXXXXXX companies which have to XXXXX insurance regardless XX pre-XXXXXXXX conditions. The XXXXXXXXXX pays subsidies for some XXX are too economically weak. XXX XXX makes XXXXXX insurance accessible for XXXXXXXX XXX XX XXX, in a XXXXXXXXX society, can be XXXXXXX XX die on XXX XXXXXXX. When XXXXXXXXX XXX or even when XXXXX, XXXXX XXXXXXX XXXXXX XX XXXXXX XX XXXXXX is XXXX the XXX champions.
XXXXXXX, it needs XXXXXXXX out XXXX the any XXXXXXXXX of XXX XXXXXXX/tax cannot XX prosecuted XXXXX XXXXXXXX grounds. The maximum fall back XX XXXX XXX IRS will XXXXXX XXX XXXXXXXXXX amount XXXX some XXXX, XXXX the XXX XXXXXX XXXXXX XX the XXXXXXXXX.
Opposition XX the Individual XXXXXXX
The thickest XXXXX XX XXXXX the ACA XXX been XXXX XX walk upon XX XXXXXXXXXXXXXX, XX XXX XXXXXX X.Moffit, XX. Fellow XX XXX XXXXXXXX XXXXXXXXXXXX &XXXXX; that it XXXXXXXX the concept of XXXXXXXX Federalism XXX Personal Liberty&XXXXX;[6]
The main XXXXXXXXX XXXXXXX XX XX XXXX related to XXX constitution. Someone XXXXXXX XX XX something on XXX XXXXXXX XXXX it XX unconstitutional and XXX opponent wants XXX XX do XXX same thing because he says that &XXXXX;not doing it&XXXXX; XX XXXXXXXXXXXXXXXX. However, XXXXXX one question both XXX XXXXXXXXX XX XX the XXXXXXX XXX XXXXX doing (or XXX XXXXX ) XX XXXXXXXXXXXXXXXX, then one XXX safely XXXXX XXXX not XXX XXXX be able XX XXXXX his XXXXXXX. They XXXX be XXXXXX not XXXXXXX XX lack XX XXXXXXXXX XXX XXXXXXXXX XX XXX XXXXXXX matter. Very XXX Americans XXXX gone thoroughly through one end to the XXXXX of the PPACA, XXXXXXX it XX unreadable. XX every XXXX of XXXXXXXX XXXXXX, one or XXX XXXXX of XXXXXXX XXXXXX. XX do not however XXXXX the XXXXXX XXXX as it is a colonial XXXXXXX to us from the XXXXXXX.
Now, let XXX XXXXXX XXXXX XXXXX XXX XXXXXXXXXXXXX XXXXXXX (a) XXX role of the Federal XXXXXXXXXX in framing out XXX PPACA (b) XXX actions XX the XXXXXXX XXXXXXXXXX in their endeavor XX XXX the Act passed XXX XXXX to implement it after it XXXXXXXX XXX. As perhaps in your case XXX, XXXX XXXXXX, this writer can XXXX see one XXXXXXXX contradiction XXXXX XXXXXX high like XXXXX Everest XX the beginning but XXXX XXXXXX accessible after a persistent XXXXXXXXX. If a XXXXXXXX paper XX a XXXXXXXX ( XXX case being a XXXXXXXX apparently unexplainable) XXXXX XXX hero XXX XX XXXXX, XXXX XXXX XX XXX XXXXXXXX and XX are required XX find out if XXX contradiction is XXXXXX so or XX it XXX XXXX XXXXX XXXX in a different perspective. XX XXXX XXX XX find out.
Our XXXXX and the XXXXXXXXXXXXX XXXXXX XXX XXXX
XX XXXXX by the XXXXXXXX of the Highest Court XX the XXXX XXX XXX XXXXXXX for XXXXX so are XXXXXXXXX and elucidated in XXXX XXX XXXXX paragraphs XXXXX follow it.
The XX XXXXX XXXX on the summit XX a XXXX XXXXXXXX XXXXXXX at the XXXXX XXXXXXX XXXXXXXX, XXX XXXXXXXX that XXX XXXXXX XXX ever XXXX XXXX and XXX XXXXXXXX –XXX XXXXXXX XXXX it XXX XXXXXXX XXXX XXX. We XXXX soon XX facing XXXXXXX medical XXXXXXXXXX which will occur together by coincidence, testing the very XXXXX XX XXX XXXXXX care XXXXXX. XXXXX XXX (a) the XXXXXXXXX age of the baby XXXXXXX XXX (b) XXX overall average XX the XXXXXXX’s XXXXXXXXXX XXXXXXXXXX as the old XXX XXXXXX XXXX XX in the XXXXXXXX. Today, USA XX the second XXXXXXX XXXXXXX (XXXXX XXXXXX) comprising XX a majority XX pill-poppers, the victims of multinational drug XXXXXXXXXXXXX. Therefore XXXX XX XXXX old today, our XXXX-XXXXXXX XXXXX make us hypochondriacs XXX XX appear to XX XXXXXX XX XXXXXXX XXXXXXX physicians and nurses in XXX XXXXXXXXX vicinity. Now, XX XXX see a health XXXX system in the very XXXX XXXXXX which is XXXXXXXX and unable XX XXXX XX XXXX XXX delivery XX quality XXXXXXX care to XXX citizens. XX have to prepare XXX this XXXXXX from today in XXXXXXX or XXXXX XXXXX XXXXXX ventures.
In the XXXXXX XXX between XXX states XXX XXX XXXXXXX Government, the XXXXX have been XXXXXX certainly XXXXXXXXXX XX XXXXX care XXXX XXX actual credit XXXX XXXXXX XXXX XXXX ‘XXXXXXXXX costs XXX XXXXXXX XX the values XX our constitution”. The constitution was XXXXXXX hundreds XX years back XXXX XXXXXX XXX societies XXXX different. Do we seriously XXXXX that XXX XXXXXXXX XXXXXXX fashioned XXX XXXXXXXXXXXX in XXXX a XXX that XXXX XXX XXXXXXXX XXXXXXXXXXXX of XXXX? If we XX, then XXXX XX ridiculous. Our XXXXXXXXXXXX XXX to change XX per XXX XXXXX. If XXX XXXXXX is not XXXX XXXXX XXX XXXXXXXXX XX XXXX XXXXXXXX, XXXX he XX XXXXXXXXX XX think about the X
Victor X.Fuchs of XXX XXXXXXXX University XXXXXX out that our healthcare costs are XXX XXXXXXX in the world but our XXXXXXX XXX XXX very XXXXXXXXXX. XXX efficiency XX XXX machine XXXXX XXXXXXXX greenbacks into healthcare is going XXXX XXXXXXXXXXXX. XXX XX this XXXXXXXXX. XXXX XXXXXXXXXXX XXX XXXXXXX says XXXXXX Fuchs. The table XXXXX in Appendix I speaks for XXXXXX. We have too XXXX drugs XXX XXXX XXXXXXXX XX XXX&XXXXX;t XXXX coming out. We XXX XXXXXX over staffed. Our physicians are over-XXXX. XXXX of XXXX XXXX XXXXX XX private practices XXX XX XXX go to hospitals in the XXXXXXXX/mornings. XXXXXXXX roll from doctor to XXXXXX. Their XXXXXXX XXXXXXXXX XXX studied at XXXXX XXXXX. MRI&XXXXX;s, CAT scans XXX. done twice XXXX XXXXXXX the XXXXXX has \more faith in &XXXXX; XXX hospital machine’.For the XXXX XX years, healthcare XXXXX XXXX XXXXXXXXX X.X% every year XXXX XXX XXX before it. XX XXXXXXX 30 XXXXX, XXX healthcare costs XXXX equal 30% of our GDP[X].
Conclusion:
XXX XXXXX is XXX XXXXXXX but it XX the most XXXXXXXXX XXXXXXX XX XXXX today. XX XX a plan for action which in my opinion, XX XXXXXX embark XXXX XXXXXXXXXXX. XX need XX XXXX XXXXX ostriches XXX pull our heads above XXX XXXXXX. XX XXXXXX see XXX distance we could have XXXX and XXXXX XXXXXXX XX XXXX up. Maybe, we XXXX need XX change directions XXX so XX it. At least, the XXXXXXX up will XX done for the more physical XXXX XX XXXXXX.
XXXXXXXX-I
Comparison XX XXXXXX Care Costs, Quality and Outcomes
For source, please XXXXX to (b) above (in the table)
XXXXXXXXXXXX
Fuchs X.R. XXX XXXXXXX, X.X. The XXXXXXX Storm of XXXXXXXXXXXXXXX, XXXX, XXXXXXX of XXX American XXXXXXX XXXXXXXXXXX, June 18 2008
XXXXXXXXX XXXXX,. ‘XXXXXXX XXXXX Obama XXXX | Ruling XX XXXXX XXXX’ 2015, XXX http://obamacarefacts.com/supreme-court-obamacare/. Accessed on 10th August 2015
XXXXXXXXX XXXXX,. XXXX. Obamacare Explained | An Explanation Of XXXXXXXXX. XXX http://XXXXXXXXXXXXXX.com/XXXXXXXXX-explained/. Accessed on 10th August XXXX.
XXXX, X L. “ XXXXXXXXXX Mandate XXXXX XXX ACA&XXXXX;, ( Washington D.C., Congressional Research Service XXXXXXXXXXX, XXXX).
Moffit, X.X. ‘
Victor X. Fuchs, &XXXXX;Three inconvenient truths XXXXX XXXXXXXXXX&XXXXX;, (Journal of the XXXXXXXX XXXXXXX Association, XXXX, October 23).(page)1
Zamosky, X., “ Healthcare, Insurance, and XXX: The XXXXX Consumers XXXXX” , ( XXX XXXX, NY, Apress XXXXX LLC. 2013, 29th August).
***********
[1] Health Care Reform by X.X.XXXXX (X XXXXXXXXXXX XX XXXXXXXX). XXXX: XX-XX. XXX XXXXXX Wood Johnson
XXXXXXXXXX, XXXXXXXX University
[X] (XXXXXXXXX Facts XXXX) Obamacare Facts,. XXXX. XXXXXXXXX XXXXXXXXX | An Explanation Of Obamacare.
[X] XXXX XXXXXXX, Healthcare, XXXXXXXXX, XXX You: The Savvy Consumers XXXXX, ( XXX XXXX, XX, XXXXXX Media XXX. 2013, XXth XXXXXX). 33-XX.
[X] Ibid
[X]Annie.X.XXXX, Individual XXXXXXX XXXXX the ACA, ( Washington D.X., XXXXXXXXXXXXX Research XXXXXXX XXXXXXXXXXX, XXXX). X-X
[X] XXXXXX E.XXXXXX, &XXXXX;XXXXXXXXX XXX XXX XXXXXXXXXX XXXXXXX: XXXXXXXXX Personal XXXXXXX XXX Federalism&XXXXX;. XXX Heritage Foundation’ XXXXXX . 2011, January XX . Accessed on 10th XXXXXX, 2015. XXX XXXX://XXX.heritage.XXX/Research/Reports/2011/01/XXXXXXXXX-and-the-XXXXXXXXXX-Mandate-Violating-XXXXXXXX-Liberty-XXX-Federalism
[7] (XXXXXXXXX Facts, 2015) Obamacare XXXXX,. &XXXXX;Supreme XXXXX Obama XXXX | XXXXXX XX XXXXX XXXX&XXXXX; 2015, XXX XXXX://XXXXXXXXXXXXXX.XXX/XXXXXXX-court-obamacare/. Accessed on 10th XXXXXX XXXX.
[8] Ibid
[9] Victor X. XXXXX, ‘Three inconvenient XXXXXX XXXXX Healthcare’, (XXXXXXX XX XXX XXXXXXXX Medical XXXXXXXXXXX,
2008, October XX).X