The Case for the Individual Mandate in Health Care Reform a Comprehensive Review of the Evidence
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DC Will Become Third in the Nation to Adopt a Health Insurance Requirement for 2019 by Jodi Kwarciany
JUNE 28, 2018 DC Will Become Third in the Nation to Adopt a Health Insurance Requirement for 2019 By Jodi Kwarciany On Tuesday, the DC Council voted in the Budget Support Act for fiscal year (FY) 2019 to add the District to the list of jurisdictions, like Massachusetts and New Jersey, that are implementing a local health insurance requirement for 2019.1 This local “individual mandate” will help protect DC’s coverage gains, maintain insurance market stability, and protect the District from harmful federal changes, and should be signed into law by the Mayor. The new requirement follows the repeal of the Affordable Care Act’s (ACA) “individual mandate,” or requirement that all individuals obtain health insurance or pay a penalty, in December’s federal tax bill. This policy change, along with other recent federal actions, jeopardizes the District’s private insurance market and health coverage gains, potentially causing insurance premiums in the District to rise by nearly 14 percent for ACA-compliant plans, and increasing the number of District residents who go without any health coverage. Through a local health insurance requirement, the District can maintain the protections of the federal law and support the health of DC residents. The District’s new requirement largely mirrors that of the previous federal requirement while including stronger protections for many residents. As the federal requirement ends after 2018, beginning in 2019 most DC residents will be required to maintain minimum essential coverage (MEC), or health insurance that is ACA-compliant. This covers most forms of insurance like employer-based coverage, health plans sold on DC Health Link, Medicare, and Medicaid. -
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Winter 2019 Special Commentary Health Care: A Governmental Duty John Croley, JD, LLM Journal of Health Care Finance www.HealthFinanceJournal.com I. Introduction A. Healthcare as a Governmental Duty. For years, healthcare in the United States has been debated as a basic right supported by the social arguments of need and justice, but with little agreement.1 However, in the opinion of this writer, when a fundamental service such as healthcare is no longer readily accessible by a large segment of the general population it will become a prime duty of government to provide that service. Examples of other recognized prime duties include those powers specifically granted to the Federal government under the Constitution, Article I, Section 8, such as the power to declare war, raise and support armies, regulate interstate commerce and provide postal services and roads. Healthcare has become one of the most needed, least understood, complex, opaque, and expensive services that an individual citizen faces. One might liken today's healthcare to a world of unregulated interstate commerce where tariffs are levied on goods crossing each border and where each state regulates the health insurance within its borders, thus limiting the size of risk pools and increasing the costs of insurance2 just as was provided by the McCarran-Ferguson Act (1945)3. B. Converging Dynamics over Time. The evolution of healthcare and who bears the financial burden have moved in concert over time.4 Traditionally, healthcare was rendered by individual providers in the patient's -
HEALTH Insurance Consumer’S Guide
Virginia HEALTH INSURANCE Consumer’s Guide Prepared by State CORPORatiON COMMISSION BUREAU OF INSURANCE www.scc.virginia.gov/boi Virginia HEALTH INSURANCE Consumer’s Guide Prepared by Commonwealth of Virginia State Corporation Commission Bureau of Insurance This Consumer’s Guide should be used for educational Post Office Box 1157 purposes only. Nothing in this Guide is intended Richmond, Virginia 23218 to be an opinion, legal or otherwise, of the State Web Site – www.scc.virginia.gov/boi Corporation Commission, nor should it be construed Email Address – [email protected] as an endorsement of any product, service, person or organization mentioned in this Guide. 2015 SCC: Virginia Health Insurance Consumer’s Guide i ABOUT THIS GUIDE Health insurance has undergone many changes in recent years, ranging from requirements that impact benefits, to the way many people purchase their health insurance coverage. Many of these changes resulted from the passage of the federal Patient Protection and Affordable Care Act (Affordable Care Act or ACA) along with conforming Virginia state insurance laws. The Bureau of Insurance (Bureau) developed this Guide to assist Virginia’s consumers in evaluating and understanding their health insurance coverage options in light of these many changes. This Guide includes a brief overview of many of the significant recent benefit changes as well as an explanation of the federal Health Insurance Marketplace (Marketplace) and the Small Employer Health Options Marketplace (SHOP), both of which are sometimes referred to as the “Exchange.” It also includes a glossary of the bolded terms used in this Guide. This Guide also includes contact information and additional resources that are helpful in evaluating and understanding your health insurance options. -
Private Law Alternatives to the Individual Mandate
University of Minnesota Law School Scholarship Repository Minnesota Law Review 2020 Private Law Alternatives to the Individual Mandate Wendy Netter Epstein Follow this and additional works at: https://scholarship.law.umn.edu/mlr Part of the Law Commons Recommended Citation Netter Epstein, Wendy, "Private Law Alternatives to the Individual Mandate" (2020). Minnesota Law Review. 3251. https://scholarship.law.umn.edu/mlr/3251 This Article is brought to you for free and open access by the University of Minnesota Law School. It has been accepted for inclusion in Minnesota Law Review collection by an authorized administrator of the Scholarship Repository. For more information, please contact [email protected]. Article Private Law Alternatives to the Individual Mandate Wendy Netter Epstein† Introduction ............................................................................ 1430 I. The Affordable Care Act and the Individual Mandate 1435 A. The Job the Individual Mandate Was Supposed To Do ...................................................................... 1435 B. Implementation of the Mandate: Both Successes and Failures .......................................................... 1440 II. The Repeal of the Individual Mandate ......................... 1445 A. Objections to the Mandate ................................... 1445 B. The 2017 Repeal of the Mandate Penalty ........... 1448 C. Negative Implications of the Repeal ................... 1449 D. The Broader Problem of Uninsureds ................... 1454 1. The Adverse Spillover Effects -
AN EXAMINATION of the WYDEN-BENNETT HEALTH REFORM PLAN Key Issues in a New Approach to Universal Coverage by Edwin Park
820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 [email protected] www.cbpp.org September 24, 2008 AN EXAMINATION OF THE WYDEN-BENNETT HEALTH REFORM PLAN Key Issues in a New Approach to Universal Coverage By Edwin Park Introduction and Executive Summary The U.S. health care system suffers from a number of serious problems. According to the latest Census data, 45.7 million individuals were without health insurance in 2007, an increase of 5.9 million people since 2001. Employer-based coverage, the primary source of health insurance across the nation, continues to erode; the percentage of Americans with job-based insurance declined from 63.2 percent to 59.3 percent between 2001 and 2007. Moreover, those without insurance are disproportionately people with low or moderate incomes, and the principal government subsidy for health insurance — the exclusion from taxes for employer contributions to employees’ coverage — is regressive. In addition, health care costs continue to rise relentlessly and are the primary factor responsible for the bleak long-term fiscal outlook the federal government faces. Finally, while the United States spends more on health care per resident than any other country, it falls short on a variety of quality of care measures compared to other western industrialized nations. As a result, there is growing consensus that comprehensive reform of the U.S. health care system is essential, with the goals of such a reform effort being both to achieve universal coverage and to moderate health care cost growth while improving the quality of care. -
Washington Post Obama Birth Certificate
Washington Post Obama Birth Certificate Is Martie always unstamped and knifeless when remedies some phyllody very smokelessly and uxoriously? When Florian reapplies his stridence overinsure not forgivably enough, is Frankie phrasal? Theodoric still espy rather while patrician Ken gave that contraption. All year after his presidential candidate renouncing the birth certificate purposes of controversy that is with limited His campaign's statement that Trump accepts the need of. Our website link url was born in which casts doubt about whether he pretends clinton supporters attending church in our world with what caused him on. Is made Press accept at Calling Out Birther Lies On the Media. Was Obama Born in Hawaii? Next is a certificate. Donald Trump the main supporter of false claims about Barack Obama's birthplace finally accepts the president was born in the US period. Finally on Friday Trump himself begrudgingly gave an extremely brief statement that President Barack Obama was born in the United States. Obama was born in the United States. Unmoored from the executive suite, he slide a fallback. Clinton backers to support Republican nominee Sen. Join Washingtonians Patrick Fort and Ruth Tam as sour taste their day around the refrigerator telling stories of slow change through my most iconic foods. Now we hope would open up, birth certificate of employees, a post reported by letting their birth certificate fraud. Got twisted and state and for donald trump. You know his contract called her own background is on cable tv interviews, some commentators noted boston sports and global warming is. Dubner of issuing entities by washington post obama birth certificate produced by washington is important in world ahead of fraud. -
National Tracking Poll #2102136 February 26 - March 01, 2021
National Tracking Poll #2102136 February 26 - March 01, 2021 Crosstabulation Results Methodology: This poll was conducted between February 26-March 1, 2021 among a national sample of1992 Registered Voters. The interviews were conducted online and the data were weighted to approximate a target sample of Registered Voters based on gender, educational attainment, age, race, and region. Results from the full survey have a margin of error of plus or minus 2 percentage points. Table Index 1 Table P1: Now, generally speaking, would you say that things in the country are going in the right direction, or have they pretty seriously gotten off on the wrong track? .......... 8 2 Table nr2b: Do you approve or disapprove of the job Joe Biden is doing as President? . 12 3 Table nr2bNET: Do you approve or disapprove of the job Joe Biden is doing as President? . 16 4 Table P3: Now, thinking about your vote, what would you say is the top set of issues on your mind when you cast your vote for federal offices such as U.S. Senate or Congress? . 20 5 Table POL1_1: Do you approve or disapprove of how President Biden is handling each of the following? The economy ..................................... 25 6 Table POL1_2: Do you approve or disapprove of how President Biden is handling each of the following? Jobs ......................................... 29 7 Table POL1_3: Do you approve or disapprove of how President Biden is handling each of the following? Health care ..................................... 33 8 Table POL1_4: Do you approve or disapprove of how President Biden is handling each of the following? Immigration .................................... -
Getting Ready for Health Reform 2020: What Past Presidential Campaigns Can Teach Us
REPORT JUNE 2018 Getting Ready for Health Reform 2020: What Past Presidential Campaigns Can Teach Us Jeanne M. Lambrew Senior Fellow The Century Foundation ABSTRACT KEY TAKEAWAYS ISSUE: The candidates for the 2020 presidential election are likely to Campaign plans are used by emerge within a year, along with their campaign plans. Such plans will supporters and the press to hold presidents accountable. Though include, if not feature, health policy proposals, given this issue’s general voters are unlikely to believe that significance as well as the ongoing debate over the Affordable Care Act. politicians keep their promises, GOAL: To explain why campaign plans matter, review the health policy roughly two-thirds of campaign components of past presidential campaign platforms, and discuss the promises were kept by presidents likely 2020 campaign health reform plans. from 1968 through the Obama years. METHODS: Review of relevant reports, data, party platforms, and policy documents. Health policy will likely play FINDINGS AND CONCLUSIONS: Proposals related to health care have a significant role in the 2020 grown in scope in both parties’ presidential platforms over the past election, with Republicans focused on deregulation and century and affect both agendas and assessments of a president’s capped federal financing success. Continued controversy over the Affordable Care Act, potential and Democrats backing the reversals in gains in coverage and affordability, and voters’ concern Affordable Care Act and a suggest a central role for health policy in the 2020 election. Republicans Medicare-based public plan will most likely continue to advance devolution, deregulation, and option. capped federal financing, while Democrats will likely overlay their support of the Affordable Care Act with some type of Medicare-based public plan option. -
February 11, 2021 Neera Tanden Director-Designate Office Of
February 11, 2021 Neera Tanden Brian Deese Director-Designate Director Office of Management and Budget National Economic Council U.S. Office of Management and Budget 1650 Pennsylvania Ave., NW 725 17th St., NW Washington, DC 20502 Washington, DC 20503 Cecilia Rouse Jeff Zients Chair-Designate Counselor to the President Council of Economic Advisers The White House 1650 Pennsylvania Ave., NW 1600 Pennsylvania. Ave., NW Washington, DC 20502 Washington, DC 20500 Director-Designate Tanden, Chair-Designate Rouse, Mr. Zients, and Director Deese, As professional economists and scholars in related fields, we know full well how important it is for the country and the American people that the Biden Administration successfully tackles the ongoing COVID-19 public health and economic crises. Treasury Secretary Janet Yellen says that to avoid a slow and protracted recovery and protect workers and communities most harmed over the past 12 months, the country must “act big.” That is why we are writing today to encourage you to consider the economic, fiscal, and public policy rationales behind including in the president’s forthcoming economic recovery and jobs plan a provision that offers a pathway to citizenship to undocumented individuals—particularly those working in jobs deemed essential to the country’s critical infrastructure during this pandemic and their families, as well as Dreamers and people with Temporary Protected Status. Such a policy would increase wages and productivity throughout the U.S. economy, create jobs, generate additional tax revenue, strengthen worker protections for immigrant and native workers alike, and lift many families out of poverty. There are today an estimated 10.4 million undocumented immigrants in the country, 5 million of whom are working in essential occupations and industries. -
Advance Directive
ANNALS OF HEALTH LAW ADVANCE DIRECTIVE VOLUME 18 SPRING 2009 PAGES 94-102 Health Care in a Time of Financial Crisis: Is the Economic Downturn a Sufficient Excuse to Delay Health Reform Once Again? Kristin Savov* In his address to Congress on February 24, 2009, President Obama expressed his commitment to achieving healthcare reform within the next year as one of his top three priorities.1 In order to achieve this, President Obama’s budget proposal sets aside $633.8 billion over the next ten years for a Health Reform Reserve Fund;2 however, the recent economic downturn could inhibit this ambitious proposal, as many argue that, in light of America’s economic situation, healthcare reform can wait.3 Yet, health care and the economy are intertwined. In 2009, health care is expected to reach 17.6% ($2.5 trillion) of the U.S. gross __________________________________________________________________ * Juris Doctor Candidate, Loyola University Chicago School of Law, Class of 2010. Mrs. Savov is a staff member of Annals of Health Law. 1 President Barack Obama, Address to Joint Session of Congress (Feb. 24, 2009) (transcript available at http://www.whitehouse.gov/the_press_office/remarks-of-president-barack-obama- address-to-joint-session-of-congress). 2 SENATE BUDGET COMM., BRIEF ANALYSIS OF PRESIDENT OBAMA’S FY 2010 BUDGET BLUEPRINT 10 (Feb. 27, 2009), available at http://budget.senate.gov/democratic/statements/2009/ Obama%20FY%202010%20Budget%20Brief%20Analysis_022709.pdf. 3 See 49% Say Obama Should Delay Health Care Reform Until Economy is Better, RASMUSSEN REPORTS, Mar. 2, 2009, http://www.rasmussenreports.com/content/view/full/18671; see also Conservatives for Patients’ Rights, http://www.conservativesforpatientsrights.com/ (last visited Mar. -
National Tracking Poll 201234
National Tracking Poll #201234 December 04-06, 2020 Crosstabulation Results Methodology: This poll was conducted from December 04-06, 2020, among a national sample of 1990 Registered Voters. The interviews were conducted online and the data were weighted to approximate a target sample of Regis- tered Voters based on age, race/ethnicity, gender, educational attainment, and region. Results from the full survey have a margin of error of plus or minus 2 percentage points. Table Index 1 Table P1: Now, generally speaking, would you say that things in the country are going in the right direction, or have they pretty seriously gotten off on the wrong track? .................. 9 2 Table Q172: Do you approve or disapprove of the job Donald Trump is doing as President? . 13 3 Table Q172NET: Do you approve or disapprove of the job Donald Trump is doing as President? . 17 4 Table P3: Now, thinking about your vote, what would you say is the top set of issues on your mind when you cast your vote for federal offices such as U.S. Senate or Congress? . 21 5 Table POL1_1: Who do you trust more to handle each of the following issues? The economy . 26 6 Table POL1_2: Who do you trust more to handle each of the following issues? Jobs . 30 7 Table POL1_3: Who do you trust more to handle each of the following issues? Health care . 34 8 Table POL1_4: Who do you trust more to handle each of the following issues? Immigration . 38 9 Table POL1_5: Who do you trust more to handle each of the following issues? The environment . -
Policy Insights Report No
Policy Insights Report No. 2009-2 Will National Health Reform Help Individuals with Developmental Disabilities? ABSTRACT: As the Obama Administration and Congress develop legislation to revamp the American health care system, one largely unexplored area is the impact impending changes in national health care policy might have on long-term services and supports for individuals with chronic disabilities. This report, the first in a two part series, explores the potential ramifications of various proposals to restructure the financing and delivery of long-term services from the perspective of people with intellectual and developmental disabilities. Federal-state Medicaid dollars are the primary source of funding for long-term services and supports to individuals with intellectual and The National Leadership Consortium on Developmental developmental disabilities. According to Disabilities is a project of the researchers at the University of Colorado’s University of Delaware’s Center for Coleman Institute for Cognitive Disabilities, Disabilities Studies, conducted in over three-quarters (78%) of all public collaboration with the Department spending on specialized developmental of Human Development and Family disabilities services in 2006 was derived from Studies. This is the second in a federal-state Medicaid payments.1 Yet, as the series of bulletins prepared by Robert M. Gettings who for nearly nation examines the merits of a variety of four decades led the National proposed reforms in health care policy, little Association of State Directors of attention has been focused on the impact Developmental Disabilities Services. such legislation may have on future Medicaid He is one of the nation’s leading funding in general and funding for services to experts on public policy as it persons with developmental disabilities in impacts on people with intellectual particular.