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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;The XXXXXXXXXX Care XXX XXXXXXXXX the XXXXXXX, XXXXXXXXXXXXX, XXX affordability XX health XXXXXXXXX. In exchange, XXXX people who can XXXXXX XX XXXX obtain Health Coverage by XXXX or XXX a per-XXXXX XXX. XXX law XXXXXXXXXX XXX-existing conditions, XXXXX insurance XXXXXXXXX from XXXXXXXX you when you XXX XXXX, XXXXXXXX XXXXXXX XXXXXX XXXXXXXXXXXXXX, expands free XXXXXXXXXXXX services XXX XXXXXX XXXXXXXX, expands Medicaid and CHIP, improves XXXXXXXX, requires XXXXXX XXXXXXXXX XX insure their XXXXXXXXX, creates a marketplace for subsidized insurance XXXXXXXXX XXXX XX millions XXXXXXXXXXX, families, XXX small XXXXXXXXXX XXXX XXXX or XXX-cost health insurance, and decreases XXXXXXXXXX XXXXXXXX and the XXXXXXX.&XXXXX;[X]
The Individual XXXXXXX and the ACA
XX XXX the ACA, all American adults XXXX than 65 years (save certain exempted groups) XXX required XX XXXX a XXXXXXX XXXXXX XXXXXXXXX XXXXX, starting from XXXX onwards. The Mandate XXX XX seen as XXXX contribution to ensure that XXXXXX XXXXXXXXX XXXXX affordable for all. XXX exemptions can XX XXXXXXXXXX into (a) The XXXXXXX XXXXX in the XXXXXXX XXXXX are XXXXXX from XXX XXX and (b) XXX assesses&XXXXX; requirement XXX XXX minimum XXXXXXX is XXXXXXXXX XXX XXX year and XXXXX is no further XXXXXXXXX XX penalty for failing XX XXXX XXXXXXX XXXXXX XXXXXXXXX mandate.[X] As XXXX XX XXX first XXXX XXXXX XXXXX ACA XXXXXXX tax( penalty) records will XX XXXXXXXXX to the IRS, XX XXX assume that XXX mandate XXX XXXX XX XXXXXXXXX XX more legal XXXXXX XX the XXXXXX XXXXXXX XX XXXX.
XXXXXXXX XXXXXXXX, who fall under the XXXXXXXXX sections, XXX not XXXXXXXX to XXXX XXXXXX XXXXXXXXX [i.e. class (a) above]. These XXX
I. XXXXXXX of a religious XXXXX which XXXXXXX XXXXXXX XX benefits from a XXXXXX XXXXXXXXX XXXXXXXXX company.
XX. XXXXXXXXXXXX Immigrants.
III. XXXXXX XXX XXX incarcerated.
IV. Members of Native American/ Indian XXXXXX.
V. XXXXXXXX XXXXX earnings XXX so XXX XXXX tax XXXXXXX need not XX XXXXX. (XXXXXXXXX $XX,XXX for an individual and $20,000 XXX a XXXXXX in XXXX).
VI. XXXXXXX whose XXXXXX XXXXXXXXX payments exceed 8% XX XXXXX income, after taking XXXX XXXXXXX employer XXXXXXXXXXXXX or tax XXXXXXX.
We XXXX have group (b) XX XXXXX XXXXX XXXXXXX the XXXXX’s criteria need XXX XXX XXX XXXXXX XXXXXXXXX that XXXX as XXXX are XXXXXXX XXXXXX XX XXXX fulfilled XXXXX obligations in XXXX regard. XXX citizen will XXXX under this XXXXX XX he or XXX XXX XXXXXXX under XXX XXXXX XXXX XXXXX the following schemes or a XXXXXXXXXXX XX XXXX.[X]
1. Medicare
2. XXXXXXXX or CHIP ( XXXXXXXX’s XXXXXX XXXXXXXXX Program).
3. XXXXXXX (XXX service members, retirees XXX XXXXX families)
4. XXXXXXX&XXXXX;s XXXXXX Insurance Program
5. Plan offered by an Employer.
X. Insurance XXXXXXX XX XXXX (at XXXXX at the XXXXXX XXXXX)
X. Member XX a Grandfathered Health XXXX XXXXX was in existence XXXXX XX XXXXX XX, XXXX.
XXXXXX a citizen XX XXXXXXXX XX XXXXX XXXXX, he XX liable XXX health insurance XX the XXXXXXX levels of
2013: $95 XXX XXXXX and $XX.XX for XXXXX (XXXX XX $285 for a XXXXXX XXXXXX) or 1.X% of XXXXXX XXXXXX XXXXXXXXX XX more.
XXXX: XXXXXXX $XXX for adult and $162.XX XXX XXXXX ( XXXXXX XX $XXX XXX family) or 2.X% XX XXXXXX XXXXXX, XXXXXXXXX is XXXX.
XXXX XXX XXXXXX: XXXXXXX $695 for adult and $347.XX for XXXXX ( XXXXXX at $X,XXX for family) or 2.X% of XXXXXX income, whichever is XXXX.
Beyond 2016, XXX XXXX XXXXXXX will XXXXX XXX post cost XX XXXXXX XXXXXXXX (XXXXXXXXX XXXXXXXXXXX)[X]
XX XXX be XXXX XXXX XXX best part of the act XX regulating XXX insurance companies XXXXX XXXX to issue insurance XXXXXXXXXX of XXX-XXXXXXXX XXXXXXXXXX. The government XXXX XXXXXXXXX for XXXX who are too economically weak. The ACA XXXXX health insurance XXXXXXXXXX XXX everyone XXX no XXX, in a XXXXXXXXX XXXXXXX, XXX be allowed XX XXX XX the streets. XXXX XXXXXXXXX XXX or XXXX XXXX XXXXX, human dignity cannot XX XXXXXX to anyone is XXXX the XXX champions.
XXXXXXX, it XXXXX XXXXXXXX out XXXX XXX any XXXXXXXXX of XXX penalty/XXX cannot XX XXXXXXXXXX under criminal XXXXXXX. The XXXXXXX fall back XX that XXX XXX will XXXXXX the defaulting XXXXXX with some fine, from the XXX XXXXXX XXXXXX XX the XXXXXXXXX.
The XXXXX encountered a lot XX XXXXXXXXXX XX its XXX XX XXXXXX the XXX XXX XXX &XXXXX;worst XXXXXXXX area&XXXXX; (as XXXX say XXXX XXXXXXXX) was at XXX individual XXXXXXX link XXXXXXXXXX it to XXX main statute.
XXX main complaint XXXXXXX XX XX that related to XXX constitution. XXXXXXX refuses to do XXXXXXXXX XX XXX XXXXXXX XXXX it XX unconstitutional and XXX XXXXXXXX wants him to do XXX same XXXXX XXXXXXX he XXXX XXXX &XXXXX;XXX doing it&XXXXX; is unconstitutional. However, XXXXXX XXX XXXXXXXX XXXX the XXXXXXXXX XX to XXX reasons for XXXXX doing (or not XXXXX ) XX XXXXXXXXXXXXXXXX, then one XXX XXXXXX XXXXX that not XXX XXXX be able to XXXXX XXX XXXXXXX. XXXX XXXX be XXXXXX XXX because XX XXXX XX XXXXXXXXX but ignorance XX the XXXXXXX matter. XXXX few Americans have XXXX thoroughly through XXX end XX the XXXXX of the PPACA, because it XX unreadable. Of every page of legalese XXXXXX, one or two lines XX meaning emerge. XX do XXX however throw XXX jargon away XX it XX a XXXXXXXX XXXXXXX XX XX from the British.
Actually, XXX XXXXXXXX XX SCOTUS was not that XXXXXXXXXX XX by XXXX the XX XXX already found XXX XXX defendant Burwell in XXXX Vs. XXXXXXX where XXXX along with a number XX republican XXXXXXXXXX filed a case against XXX XXX XXXXXXXX subsidies XX XXXXXX from XXX XXXXXXX given by XXX, declaring XXXX it was illegal and that the Federal Government XXX no power XX supersede XXX state in XXXXXXXXXX XXXXXXX XX it XX a XXXXX matter. XXXX vs XXXXXXX [X]
Now, let XXX reader XXXXX XXXXX any XXXXXXXXXXXXX XXXXXXX (a) the XXXX XX the XXXXXXX Government in framing out XXX XXXXX (b) the XXXXXXX of the Federal XXXXXXXXXX in their XXXXXXXX to get the XXX XXXXXX XXX XXXX to XXXXXXXXX it after it XXXXXXXX XXX. As perhaps in your XXXX XXX, dear XXXXXX, XXXX writer can XXXX see XXX apparent contradiction XXXXX loomed XXXX XXXX XXXXX Everest XX XXX beginning XXX XXXX became accessible after a persistent onslaught. XX a XXXXXXXX paper XX a whodunit ( the case being a XXXXXXXX apparently XXXXXXXXXXXXX) XXXXX the hero has to XXXXX, XXXX this is XXX homicide XXX we are XXXXXXXX to XXXX out if the contradiction XX really so or XX it XXX same XXXXX seen in a different perspective. We XXXX try to XXXX out.
Our XXXXX and XXX XXXXXXXXXXXXX XXXXXX XXX same
We XXXXX XX XXX decision of XXX Highest XXXXX of the XXXX and our reasons XXX XXXXX so XXX XXXXXXXXX XXX XXXXXXXXXX in XXXX and other XXXXXXXXXX XXXXX follow it.
The XX today sits XX the XXXXXX of a tall XXXXXXXX looking at the steep XXXXXXX XXXXXXXX, the XXXXXXXX that the XXXXXX has XXXX XXXX down and XXX XXXXXXXX &XXXXX;the tallest XXXX it XXX XXXXXXX XXXX now. XX will XXXX be facing XXXXXXX medical XXXXXXXXXX which XXXX XXXXX together XX coincidence, testing the very XXXXX XX our XXXXXX XXXX system. XXXXX are (a) the XXXXXXXXX age XX XXX XXXX boomers and (b) XXX XXXXXXX XXXXXXX of XXX XXXXXXX&XXXXX;s population XXXXXXXXXX XX the XXX and XXXXXX will XX in the XXXXXXXX. Today, XXX XX the XXXXXX highest XXXXXXX (XXXXX France) XXXXXXXXXX XX a XXXXXXXX XX XXXX-XXXXXXX, XXX XXXXXXX of multinational drug XXXXXXXXXXXXX. Therefore XXXX we XXXX old XXXXX, XXX XXXX-XXXXXXX XXXXX make us XXXXXXXXXXXXXX and we XXXXXX XX XX unable to XXXXXXX without XXXXXXXXXX XXX XXXXXX in XXX XXXXXXXXX vicinity. XXX, we XXX XXX a health care system in XXX very near XXXXXX which is XXXXXXXX and XXXXXX to cope XX XXXX the delivery XX quality XXXXXXX XXXX XX the citizens. XX XXXX XX prepare for this crisis XXXX XXXXX in private or maybe joint XXXXXX ventures.
XX the recent war between the states and XXX XXXXXXX XXXXXXXXXX, the costs XXXX XXXX XXXXXX XXXXXXXXX XXXXXXXXXX XX XXXXX care when the XXXXXX credit XXXX should have been &XXXXX;XXXXXXXXX costs for storage of XXX XXXXXX of XXX XXXXXXXXXXXX”. XXX XXXXXXXXXXXX was XXXXXXX hundreds of XXXXX XXXX XXXX XXXXXX XXX XXXXXXXXX were XXXXXXXXX. Do XX XXXXXXXXX think XXXX the XXXXXXXX XXXXXXX fashioned our constitution in XXXX a XXX XXXX they XXX XXXXXXXX irrespective of XXXX? If XX do, XXXX that is XXXXXXXXXX. XXX XXXXXXXXXXXX has to XXXXXX XX per the XXXXX. If XXX XXXXXX XX XXX XXXX about the relevance XX this diatribe, then he XX XXXXXXXXX XX think XXXXX XXX 2XX XXXXXXXXX and XXX XXXXXXXXXXXXX that arise XXXXXXXX a XXXXXX XXXXXXXX XXXXX XXXXX.
XXXXXX R.Fuchs XX XXX XXXXXXXX XXXXXXXXXX points out that XXX healthcare costs XXX XXX highest in the XXXXX but our results are not very impressive. XXX XXXXXXXXXX XX XXX XXXXXXX XXXXX XXXXXXXX greenbacks XXXX healthcare XX XXXXX XXXX XXXXXXXXXXXX. Why is XXXX XXXXXXXXX. Over XXXXXXXXXXX XXX wastage says Victor Fuchs. The table XXXXX in XXXXXXXX I speaks for itself. XX have XXX many drugs for XXXX XXXXXXXX XX don&XXXXX;t need coming out. XX XXX highly XXXX staffed. XXX physicians XXX over-paid. Most XX them have built XX private XXXXXXXXX XXX XX not XX to hospitals in XXX evenings/mornings. XXXXXXXX XXXX XXXX XXXXXX to XXXXXX. Their XXXXXXX XXXXXXXXX are XXXXXXX at XXXXX stage. XXX&XXXXX;s, CAT scans XXX. done twice just XXXXXXX the XXXXXX XXX \more XXXXX in ‘ XXX hospital machine&XXXXX;.XXX the last XX XXXXX, XXXXXXXXXX XXXXX XXXX increased X.8% every year XXXX the XXX XXXXXX it. XX another 30 XXXXX, XXX XXXXXXXXXX XXXXX will XXXXX XX% of our GDP[X].
XXXXXXXXXX:
XXX XXXXX is XXX XXXXXXX XXX it is the most XXXXXXXXX XXXXXXX we have today. XX XX a XXXX XXX XXXXXX which in my XXXXXXX, XX XXXXXX embark XXXX XXXXXXXXXXX. XX XXXX to stop being XXXXXXXXX XXX XXXX our XXXXX XXXXX the ground. XX should see XXX XXXXXXXX XX could have gone and XXXXX running to make up. Maybe, XX will need to XXXXXX directions XXX so XX it. At XXXXX, XXX XXXXXXX XX will XX XXXX for the more physical work to follow.
APPENDIX-I
Comparison of XXXXXX XXXX Costs, XXXXXXX XXX XXXXXXXX
XXX source, please refer XX (b) XXXXX (in XXX table)
Bibliography
XXXXX X.R. and Ezekiel, X.E. XXX XXXXXXX XXXXX of Overutilization, 2008, Journal of the American XXXXXXX XXXXXXXXXXX, June XX XXXX
XXXXXXXXX Facts,. &XXXXX;XXXXXXX XXXXX Obama XXXX | XXXXXX on XXXXX Care&XXXXX; XXXX, URL http://obamacarefacts.com/XXXXXXX-XXXXX-obamacare/. Accessed XX XXXX August 2015
Obamacare Facts,. 2015. Obamacare Explained | An Explanation XX Obamacare. XXX XXXX://obamacarefacts.XXX/XXXXXXXXX-explained/. Accessed on 10th XXXXXX XXXX.
XXXX, X X. “ Individual XXXXXXX XXXXX XXX ACA&XXXXX;, ( XXXXXXXXXX D.C., XXXXXXXXXXXXX Research XXXXXXX Publication, 2015).
Moffit, R.E. ‘Obamacare and XXX XXXXXXXXXX XXXXXXX: Violating Personal XXXXXXX XXX Federalism’. The XXXXXXXX Foundation&XXXXX; portal . 2011, January 18 . XXXXXXXX on 10th XXXXXX, XXXX. URL http://XXX.XXXXXXXX.XXX/Research/Reports/2011/01/Obamacare-XXX-the-Individual-Mandate-XXXXXXXXX-XXXXXXXX-XXXXXXX-XXX-XXXXXXXXXX
XXXXXX X. XXXXX, ‘XXXXX inconvenient XXXXXX about Healthcare&XXXXX;, (Journal XX the American Medical XXXXXXXXXXX, 2008, XXXXXXX XX).(page)X
XXXXXXX, L., “ XXXXXXXXXX, XXXXXXXXX, and You: XXX XXXXX XXXXXXXXX Guide” , ( New XXXX, XX, XXXXXX XXXXX XXX. 2013, XXXX August).
***********
[1] XXXXXX Care XXXXXX by V.X.Fuchs (A compilation of XXXXXXXX). Sec1: XX-24. XXX XXXXXX Wood XXXXXXX
Foundation, XXXXXXXX University
[2] (XXXXXXXXX Facts XXXX) XXXXXXXXX Facts,. XXXX. Obamacare XXXXXXXXX | An XXXXXXXXXXX Of XXXXXXXXX.
[X] Lisa Zamosky, XXXXXXXXXX, XXXXXXXXX, and XXX: XXX XXXXX XXXXXXXXX XXXXX, ( New XXXX, XX, XXXXXX XXXXX LLC. 2013, 29
[4] Ibid
[X]Annie.L.Mach, XXXXXXXXXX XXXXXXX XXXXX XXX ACA, ( Washington D.C., XXXXXXXXXXXXX XXXXXXXX XXXXXXX Publication, XXXX). 1-X
[X] XXXXXX E.XXXXXX, ‘Obamacare and XXX Individual XXXXXXX: Violating XXXXXXXX XXXXXXX XXX XXXXXXXXXX’. The XXXXXXXX XXXXXXXXXX&XXXXX; portal . XXXX, January 18 . Accessed on XX
[7] (Obamacare XXXXX, 2015) XXXXXXXXX XXXXX,. &XXXXX;Supreme Court XXXXX Care | XXXXXX XX Obama Care’ XXXX, URL http://obamacarefacts.XXX/XXXXXXX-court-XXXXXXXXX/. XXXXXXXX XX XXth August XXXX.
[8] Ibid
[9] XXXXXX X. Fuchs, ‘Three inconvenient truths XXXXX Healthcare&XXXXX;, (XXXXXXX of XXX American XXXXXXX XXXXXXXXXXX,
2008, October 23).X