Who will benefit the most from the individual mandate provided for in the PPACA? Will the mandate bring down the cost of medical care? NO. Will it result in lower group and individual/family health insurance premiums? No. Will it result in less uninsured people seeking emergency care? Possibly there will be a minimal decrease, but since illegals and those below the poverty line are basically exempt from the mandate as they will not be subject to the "penalty" for not purchasing insurance, uninsured emergency room visits will continue. So now our premiums are still higher as we subsidize those visits, plus now we pay to provide "premium assistance" for those that qualify. So to answer the question of who ends up benefiting the most by the passage of the individual mandate, it is the private insurance companies that will now have more insured's, charging the same or higher premiums for the coverage, likely higher to cover the costs of paying 100% of preventative tests and substaintial cost of having to insure those with pre-existing conditions such as heart disease, liver disease, cancer and so on. As Studies commissioned and paid for by the Federal Government indicated, premiums will like increase not decrease under PPACA and the number of uninsured people will not be reduced by the number the Dems and President stated to promote passage of the reform. In fact, most of us will be paying more for insurance and also see additional taxes.
well I will since I would no longer have to worry about the states charity care law I can opt to work normally for me and will get Medicaid which will promote my health and well being. i don't see the issue republicans fought any move to a one payer government run system or any reforms that would matter that would keep out private business and so the current law is what we have its better than nothing which is what i have now.
Under your own circumstances as you respresent you would have probably qualified under medicare regardless of Obamacare. And I disagree, it is not better than nothing, it will increase our taxes, insurance premiums, cause employers to drop group health insurance and cause doctors to opt out of Medicare and Medicaid.
Not in florida here i would need to qualify as disabled, be on ssi, go through mounds of paperwork and have a low income and have to be unable to work not unwilling to work that determined by the social services. Under the new provisions its only based on my income making the red tape far easier and legally there are no other obligations I don't have to seek work, be working, apply for SSI or be in school and the social workers have zero to say about this. As for opting out of Medicaid the payments for primary care are going up with more protections planned in the deal with HHA to make suing doctors who treat Medicaid patiants harder among other things. And what downside is there for me under the planned HMO system there is no out of pocket costs for me at all and since I'm low income I don't pay taxes its really a good deal for me and people like me in the state. ... it will increase our taxes, insurance premiums, cause employers to drop group health insurance ... Okay people better off than myself are going to have impacts especially those earning over 400% of the Federal Poverty line but since the last group is doing well they can suck it up. Like I care about people who are in the middle class or higher its not me now is it I'm lower class. I will note the only reason I work very little is to qualify for the charity care law, I can go back to more work once Medicaid kicks in and want to do so I may not care about money but need some coming in to cover my modest lifestyle.
Easy for you to say they can "suck it up". You don't know how much debt they have at the moment and they certainly cannot have expected when they bought that car or home or enrolled their kid in college that incurring these debts would lead to financial hardship because of new taxes and mandated insurance coverage that forces them to pay for benefits they neither want or need. Premiums assistance with be determined by a formula that will not taking into consideration monthly credit card payments, car payments, gas, electric, water payments, College costs(for upper middle income families) and potentially if the Dems get their way, "mortgage interest" for families in certain tax brackets. (is that fair when they bought their home counting on those credits and being able to offered the home based on receiving those credits?) IMO those that owe zero or little federal income tax and receive the most credits, deductions and assistance from the Government are the ones that complain about the amount of Federal Income taxes the upper middle class, millionaires and billionaires pay in Federal Income Tax when these workers are paying the highest percentage of Federal Income Tax and you pay/owe zero and still get refunds and benefits. Sorry, but for paying in nothing you are getting a lot.
Its a Democracy and in a Democracy the poor can vote just like the rest of society can, there are just more of us than wealthy people. So I voted for Obama and the Democrats since its in my best interest to do so, its my right to do so as a citizen and my side won the arguement went Obama and more Democrats were elected. Since that is the case whining about it seems mute the ACA is now law of the land and will stay that way at least for the forseeable future. I and others just used our equalizing power we don't have money or fame or connections in the system but we do have the right to vote. Maybe if the Republicans catered to people like me more we would vote for them. Now as for the other people if they want to have other priorities they can but that won't change the fact they must have insurance or pay the fine, but I assume most of those not getting help are in skilled work or some profession that gives them access to coverage. So the actual impact should be modest. And the premiums and costs are tax deductible so what is the issue if done right that should reduce the impact. Like I said these wealthy people that have the luxuries you described like a home and cars and sending children to college are not my concern if anything I care about the poor and what is good for me. I agree Medicaid is a great deal for me why should I wish to give it up for some other well-off people? If they can give money to corporations, fund two wars, maintain a massive war machine and spend money on tons of roads then funding health care seems fitting for the poor.
I'm sorry. I didn't know you don't have a place to live or a car or a job. At least you have a computer. And still those families earning under $95,000.00/yr can't be forced to by insurance or even apply for a government program. They are basically exempt from the "mandate". While a family of 4 earning $95,001.00 and up is subject to the mandate whether they have the "disposable monthly income" to pay the premiums. The HHS and IRS doesn't care if they owe on their credit cards, have car payments(transportation needed to get to work), have seen their gas and electric costs increase, seen their rent increase; because these costs aren't taken into consideration. And, goof-ball, most businesses don't pay 100% of their employees premiums, they only pay a portion and the employee must pay the rest. Hey, guess what? Small group insurance premiums and likely all group premiums have already increased far greater than the usual annual increases Due to Obama Care. So many businesses are increasing the percentage of the premium their employees must pay.
You've got that backwards. If someone is above the tax filing threshold (the poor are largely exempt), in general they're subject to the mandate except if the cheapest bronze plan available to them would cost more than 8 percent of their income. A family of four that's below 400% of the poverty line (i.e. making $94,200 or less this year, probably a little more next year) will receive subsidies in the exchanges. As a result, the cheapest bronze plan in the exchange won't cost more than 8 percent of the family's income and they will be subject to the mandate. The flip side, of course, is that they're going to get lots of help in buying coverage. But now let's do a little thought experiment, using the only real, final exchange premium numbers available: the premiums for Vermont's exchange. The cheapest family bronze plan in Vermont next year will be about $11,800. That means any family for whom that's more than 8 percent of the family's income won't be subject to the mandate--in other words, families of four with income below about $147,500 (but above the threshold at which they get exchange subsidies). For the families out there that don't have employer-sponsored coverage, the ones caught in the middle will be the families of four making between about $95,000 and $145,000. They won't have access to financial assistance, nor will they be required to pay any mandate penalties. They'll be able to buy catastrophic insurance policies if they like, which is more or less what's available to them now (the Vermont exchange's cheapest catastrophic family plan will be less than $6,800 per year). It's the people below the subsidy cutoff who are subject to the mandate, and those that are slightly above it who are exempt.
Those "pre-existing conditions" are already calculated into our existing premiums so they are raising premiums out of pure greed.
