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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:
“The XXXXXXXXXX Care XXX increases XXX XXXXXXX, XXXXXXXXXXXXX, and XXXXXXXXXXXXX XX XXXXXX insurance. XX XXXXXXXX, XXXX people who XXX XXXXXX XX must obtain XXXXXX Coverage XX 2014 or XXX a per-XXXXX XXX. The XXX XXXXXXXXXX pre-XXXXXXXX XXXXXXXXXX, stops XXXXXXXXX companies XXXX XXXXXXXX you XXXX you XXX sick, XXXXXXXX XXXXXXX XXXXXX discrimination, XXXXXXX XXXX preventative services XXX health XXXXXXXX, XXXXXXX Medicaid XXX XXXX, XXXXXXXX Medicare, XXXXXXXX XXXXXX employers XX XXXXXX their XXXXXXXXX, XXXXXXX a XXXXXXXXXXX XXX subsidized insurance XXXXXXXXX XXXX XX XXXXXXXX XXXXXXXXXXX, XXXXXXXX, XXX small XXXXXXXXXX XXXX XXXX or low-cost health XXXXXXXXX, XXX decreases healthcare XXXXXXXX and XXX deficit.”[X]
The XXXXXXXXXX XXXXXXX XXX the XXX
XX XXX XXX ACA, all American XXXXXX less than 65 XXXXX (save XXXXXXX exempted groups) XXX required XX XXXX a minimum health XXXXXXXXX XXXXX, starting from 2014 XXXXXXX. XXX XXXXXXX XXX XX XXXX as XXXX contribution to XXXXXX that XXXXXX insurance XXXXX XXXXXXXXXX XXX all. XXX XXXXXXXXXX XXX be XXXXXXXXXX into (a) XXX assesse falls in the classes which XXX exempt XXXX the ACA XXX (b) The XXXXXXXX’ requirement for the minimum mandate is satisfied for XXX year XXX XXXXX XX XX XXXXXXX XXXXXXXXX of penalty for failing to XXXX XXXXXXX XXXXXX insurance mandate.[3] XX XXXX XX the first year under XXXXX XXX mandate XXX( XXXXXXX) XXXXXXX will XX submitted XX XXX IRS, we can XXXXXX that the XXXXXXX XXX will XX subjected to XXXX legal attack XX the Fourth Quarter of XXXX.
XXXXXXXX XXXXXXXX, XXX XXXX under the XXXXXXXXX XXXXXXXX, XXX not XXXXXXXX XX have health XXXXXXXXX [i.e. XXXXX (a) above]. These XXX
I. Members XX a XXXXXXXXX faith which XXXXXXX sharing of XXXXXXXX XXXX a XXXXXX XXXXXXXXX XXXXXXXXX company.
XX. XXXXXXXXXXXX Immigrants.
III. People XXX XXX incarcerated.
IV. XXXXXXX of XXXXXX American/ XXXXXX tribes.
V. Citizens XXXXX XXXXXXXX are so XXX XXXX tax returns XXXX not be XXXXX. (XXXXXXXXX $10,000 XXX an individual and $20,XXX for a family in XXXX).
XX. XXXXXXX whose health insurance payments exceed X% of XXXXX income, after XXXXXX into XXXXXXX XXXXXXXX contributions or XXX credits.
XX XXXX have XXXXX (b) of which XXXXX XXXXXXX XXX group’s criteria XXXX XXX XXX any health insurance that year XX they XXX XXXXXXX XXXXXX XX have fulfilled XXXXX XXXXXXXXXXX in that regard. The citizen will XXXX XXXXX this XXXXX if he or she was XXXXXXX under XXX whole year under the XXXXXXXXX schemes or a XXXXXXXXXXX XX them.[4]
1. Medicare
X. XXXXXXXX or XXXX ( Children’s XXXXXX XXXXXXXXX Program).
3. TRICARE (XXX service XXXXXXX, XXXXXXXX XXX XXXXX XXXXXXXX)
4. Veteran&XXXXX;s Health XXXXXXXXX XXXXXXX
X. XXXX offered by an XXXXXXXX.
6. XXXXXXXXX brought XX self (at XXXXX at the bronze XXXXX)
X. XXXXXX of a XXXXXXXXXXXXX Health Plan which XXX in existence prior to XXXXX XX, XXXX.
Unless a citizen XX XXXXXXXX XX XXXXX above, he XX XXXXXX for XXXXXX XXXXXXXXX at XXX XXXXXXX levels of
2013: $95 XXX adult XXX $XX.50 for XXXXX (XXXX to $285 XXX a XXXXXX XXXXXX) or X.X% of XXXXXX XXXXXX whichever XX more.
2014: XXXXXXX $XXX XXX adult XXX $XXX.50 XXX child ( capped XX $XXX for family) or X.0% of family XXXXXX, XXXXXXXXX XX XXXX.
XXXX and beyond: XXXXXXX $695 XXX adult XXX $XXX.XX XXX XXXXX ( capped XX $X,085 for XXXXXX) or 2.5% XX family XXXXXX, whichever is XXXX.
XXXXXX 2016, XXX 2016 XXXXXXX XXXX apply XXX XXXX XXXX XX living increase (inflation XXXXXXXXXXX)[X]
XX can XX seen XXXX XXX XXXX XXXX XX the XXX XX XXXXXXXXXX XXX XXXXXXXXX XXXXXXXXX which XXXX to XXXXX insurance regardless XX pre-XXXXXXXX conditions. XXX XXXXXXXXXX pays XXXXXXXXX for some who are XXX economically XXXX. The XXX makes XXXXXX XXXXXXXXX accessible for XXXXXXXX XXX no one, in a civilized society, XXX be allowed XX die on the XXXXXXX. XXXX seriously ill or XXXX when dying, XXXXX dignity cannot XX XXXXXX to anyone XX XXXX XXX ACA XXXXXXXXX.
Finally, it needs XXXXXXXX out XXXX XXX XXX XXXXXXXXX of the penalty/tax cannot XX XXXXXXXXXX under criminal XXXXXXX. XXX maximum fall XXXX is XXXX XXX XXX XXXX XXXXXX the defaulting XXXXXX XXXX XXXX XXXX, XXXX the XXX return checks XX the defaulter.
XXX XXXX complaint XXXXXXX XX be that XXXXXXX to the XXXXXXXXXXXX. XXXXXXX XXXXXXX XX do XXXXXXXXX on the XXXXXXX XXXX it is unconstitutional XXX his opponent XXXXX XXX to XX XXX XXXX XXXXX because he XXXX that ‘XXX doing it’ is XXXXXXXXXXXXXXXX. XXXXXXX, should one XXXXXXXX both XXX XXXXXXXXX XX to the reasons XXX XXXXX XXXXX (or XXX XXXXX ) XX XXXXXXXXXXXXXXXX, then one can XXXXXX XXXXX that XXX one XXXX XX able to XXXXX XXX XXXXXXX. They will XX silent XXX because of lack of eloquence but ignorance of XXX subject XXXXXX. Very few XXXXXXXXX XXXX gone XXXXXXXXXX through XXX XXX to XXX XXXXX XX the PPACA, XXXXXXX it is XXXXXXXXXX. XX XXXXX XXXX of legalese XXXXXX, one or two XXXXX of meaning XXXXXX. XX XX XXX XXXXXXX XXXXX XXX XXXXXX XXXX XX it is a colonial present XX XX XXXX XXX British.
XX XXth XXXX XXXX, SCOTUS held XX a X-3 XXXXXXX XXXX the XXXXXXXX XXX the right as XXX the constitution to impose a XXXXXXX for XXXXX XXX XX not avail of XXXXXXXXX for XXXXXX and were XXX XXXXXXX XXXXXXXXX XXXXXX. This hearing XXX XXXX against XXX XXXX filed XX XX XXXXXX who contended that the XXXXXXX government XXX XX XXXXXXXXXXXXXX authority XX lay down the XXXXXXXXXX for XXX XXXXXXX as XXXX XXX. SCOTUS XXXXXXX disagreed and XXXXXXXX the mandate to be &XXXXX;XXXXXXXXXXXXXX&XXXXX; but not XX a mandate. XXXXX Justice Roberts XXXX Congress XXX impose a XXX on XXXXX XXX do XXX insure XXXXX health, XXX that XXX ACA XXXX XXXXXXX XXXX the XXXXXXX XXX XXXXX XXXXXX as a XXX XXXXX fully constitutional.[7]
Now, let XXX XXXXXX XXXXX XXXXX any XXXXXXXXXXXXX XXXXXXX (a) the XXXX of the XXXXXXX XXXXXXXXXX in framing out XXX PPACA (b) the actions XX XXX Federal XXXXXXXXXX in their XXXXXXXX XX get the XXX XXXXXX XXX then to implement it XXXXX it XXXXXXXX XXX. As perhaps in your case too, XXXX reader, this XXXXXX can only XXX one apparent XXXXXXXXXXXXX which XXXXXX high like Mount XXXXXXX XX the beginning XXX soon became accessible XXXXX a persistent XXXXXXXXX. If a research paper is a whodunit ( the case XXXXX a XXXXXXXX XXXXXXXXXX XXXXXXXXXXXXX) XXXXX XXX hero XXX XX XXXXX, then this XX the homicide and we XXX required XX find out if XXX contradiction is really so or is it XXX XXXX thing seen in a XXXXXXXXX perspective. We XXXX try XX XXXX out.
XXX Stand XXX XXX justification XXXXXX the same
XX stand XX the decision of XXX XXXXXXX XXXXX XX XXX land XXX our XXXXXXX for doing so XXX described and XXXXXXXXXX in this and other paragraphs XXXXX XXXXXX it.
XXX XX today sits XX the XXXXXX XX a XXXX XXXXXXXX looking at the steep XXXXXXX XXXXXXXX, XXX XXXXXXXX XXXX the nation has XXXX XXXX down XXX XXX mountain &XXXXX;XXX XXXXXXX XXXX it XXX climbed XXXX XXX. XX XXXX soon XX facing natural XXXXXXX situations which XXXX XXXXX together XX XXXXXXXXXXX, XXXXXXX the XXXX seams XX XXX health care system. XXXXX XXX (a) XXX geriatric age XX the baby boomers and (b) XXX XXXXXXX average of XXX country&XXXXX;s XXXXXXXXXX increasing as XXX old and XXXXXX will be in XXX XXXXXXXX. Today, USA is the XXXXXX highest XXXXXXX (XXXXX France) comprising XX a majority of pill-XXXXXXX, XXX victims XX XXXXXXXXXXXXX XXXX XXXXXXXXXXXXX. Therefore when XX XXXX XXX XXXXX, our XXXX-popping minds XXXX us hypochondriacs and XX XXXXXX XX be unable to XXXXXXX XXXXXXX XXXXXXXXXX XXX nurses in XXX XXXXXXXXX XXXXXXXX. Now, XX XXX see a XXXXXX care XXXXXX in the XXXX near XXXXXX which is XXXXXXXX XXX unable XX cope up with the delivery XX quality XXXXXXX care to XXX citizens. We XXXX XX prepare XXX XXXX crisis from today in private or maybe joint XXXXXX XXXXXXXX.
XX XXX XXXXXX war between XXX XXXXXX XXX XXX XXXXXXX XXXXXXXXXX, the XXXXX have XXXX almost XXXXXXXXX XXXXXXXXXX to XXXXX XXXX when XXX actual XXXXXX XXXX XXXXXX XXXX been ‘Inventory XXXXX for XXXXXXX of XXX values XX our XXXXXXXXXXXX&XXXXX;. XXX constitution was XXXXXXX hundreds of XXXXX XXXX XXXX XXXXXX and societies XXXX XXXXXXXXX. XX XX XXXXXXXXX XXXXX that the XXXXXXXX fathers fashioned our constitution in XXXX a way that they XXX XXXXXXXX irrespective XX XXXX? XX we XX, then that is XXXXXXXXXX. Our XXXXXXXXXXXX XXX XX XXXXXX XX per XXX times. If the reader XX not sure about the XXXXXXXXX XX this XXXXXXXX, then he is XXXXXXXXX to think XXXXX the 2
XXXXXX R.Fuchs of the Stanford University XXXXXX out that our healthcare XXXXX are XXX XXXXXXX in the XXXXX XXX XXX XXXXXXX XXX not very impressive. The efficiency of the XXXXXXX XXXXX converts greenbacks XXXX healthcare is going down XXXXXXXXXXXX. Why is this happening. Over utilization XXX wastage says Victor XXXXX. XXX table given in Appendix I speaks XXX XXXXXX. XX have too XXXX XXXXX XXX XXXX ailments XX XXX’t XXXX coming out. We are highly over staffed. XXX XXXXXXXXXX XXX XXXX-paid. Most of XXXX XXXX built XX private XXXXXXXXX and do XXX XX to hospitals in XXX XXXXXXXX/mornings. XXXXXXXX roll from XXXXXX to XXXXXX. XXXXX XXXXXXX XXXXXXXXX XXX studied at XXXXX stage. XXX’s, CAT scans XXX. done XXXXX XXXX because the XXXXXX has \more faith in &XXXXX; XXX hospital XXXXXXX’.XXX the XXXX XX XXXXX, healthcare costs XXXX increased X.8% every XXXX XXXX the one XXXXXX it. XX XXXXXXX XX XXXXX, XXX XXXXXXXXXX XXXXX XXXX XXXXX XX% XX our XXX[9].
Conclusion:
XXX XXXXX is XXX perfect but it is the most XXXXXXXXX XXXXXXX XX XXXX today. It XX a plan for action which in my opinion, XX should embark XXXX immediately. XX XXXX XX stop XXXXX ostriches XXX pull XXX heads XXXXX XXX ground. XX XXXXXX see the XXXXXXXX XX XXXXX have XXXX XXX start running XX make XX. XXXXX, XX will need to change XXXXXXXXXX but so be it. XX XXXXX, XXX XXXXXXX XX will XX done XXX XXX more physical XXXX XX follow.
APPENDIX-I
XXXXXXXXXX of Health Care Costs, Quality XXX Outcomes
XXX source, XXXXXX refer XX (b) XXXXX (in the table)
XXXXXXXXXXXX
Fuchs V.X. and Ezekiel, X.E. The Perfect XXXXX of Overutilization, 2008, XXXXXXX XX XXX XXXXXXXX Medical Association, June XX 2008
Obamacare Facts,. &XXXXX;XXXXXXX Court Obama XXXX | Ruling on Obama XXXX’ XXXX, URL XXXX://obamacarefacts.com/supreme-court-obamacare/. Accessed on 10th XXXXXX 2015
Obamacare XXXXX,. XXXX. XXXXXXXXX Explained | An Explanation Of XXXXXXXXX. XXX http://obamacarefacts.com/XXXXXXXXX-explained/. Accessed on XXXX XXXXXX 2015.
Mach, X X. “ Individual XXXXXXX XXXXX XXX ACA”, ( XXXXXXXXXX X.C., XXXXXXXXXXXXX Research XXXXXXX XXXXXXXXXXX, XXXX).
XXXXXX, R.X. &XXXXX;XXXXXXXXX and the XXXXXXXXXX XXXXXXX: XXXXXXXXX Personal XXXXXXX and XXXXXXXXXX&XXXXX;. The XXXXXXXX XXXXXXXXXX’ portal . XXXX, January XX . XXXXXXXX XX 10th XXXXXX, XXXX. URL XXXX://XXX.heritage.XXX/XXXXXXXX/Reports/2011/XX/Obamacare-XXX-the-Individual-Mandate-Violating-XXXXXXXX-XXXXXXX-and-XXXXXXXXXX
XXXXXX X. Fuchs, &XXXXX;XXXXX inconvenient XXXXXX XXXXX Healthcare&XXXXX;, (Journal of XXX American XXXXXXX XXXXXXXXXXX, 2008, XXXXXXX XX).(XXXX)1
XXXXXXX, X., &XXXXX; XXXXXXXXXX, Insurance, XXX You: The XXXXX Consumers Guide” , ( New York, XX, Apress Media XXX. 2013, XXXX August).
***********
[1] Health XXXX XXXXXX by X.R.XXXXX (A compilation XX XXXXXXXX). Sec1: XX-24. The Robert Wood XXXXXXX
Foundation, XXXXXXXX XXXXXXXXXX
[2] (Obamacare XXXXX XXXX) XXXXXXXXX Facts,. XXXX. Obamacare Explained | XX Explanation Of XXXXXXXXX.
[X] XXXX XXXXXXX, XXXXXXXXXX, XXXXXXXXX, and You: XXX Savvy Consumers Guide, ( New XXXX, NY, XXXXXX Media XXX. 2013, 29th August). 33-34.
[X] XXXX
[5]Annie.X.Mach, XXXXXXXXXX XXXXXXX under the XXX, ( XXXXXXXXXX X.C., XXXXXXXXXXXXX XXXXXXXX Service XXXXXXXXXXX, XXXX). X-X
[6] XXXXXX E.Moffit, &XXXXX;Obamacare XXX the Individual XXXXXXX: Violating XXXXXXXX XXXXXXX XXX Federalism&XXXXX;. XXX XXXXXXXX XXXXXXXXXX&XXXXX; portal . 2011, January XX . XXXXXXXX XX XX
[X] (Obamacare XXXXX, 2015) XXXXXXXXX Facts,. ‘Supreme XXXXX XXXXX Care | XXXXXX XX Obama XXXX&XXXXX; XXXX, URL XXXX://XXXXXXXXXXXXXX.XXX/XXXXXXX-XXXXX-XXXXXXXXX/. XXXXXXXX XX XX
[8] Ibid
[9] Victor X. Fuchs, ‘Three XXXXXXXXXXXX truths XXXXX XXXXXXXXXX’, (XXXXXXX of the XXXXXXXX XXXXXXX Association,
XXXX, October 23).X