Because the concept of employers offering health insurance is such a long standing institution in our country, the Affordable Care Act would have never passed into law had the drafters of the law ripped insurance from the employer market.
Increases in the estimated impact of the law on private insurance premiums, along with increases in the estimated cost of health care more generally, have led the Congressional Budget Office to increase its estimate of the budget cost of the law's coverage expansion.
Several officials from large health insurers said that if the mandate were struck down, their first priority would be persuading members of Congress to repeal two of the law's major insurance changes: a requirement to cover everyone regardless of his or her medical history, and limits on how much insurers can vary premiums based on age.
One of the most under-appreciated aspects of Obamacare is the degree to which the law drives up the cost of health insurance, especially for people who buy it on their own.
This would scrap the requirement that all Americans obtain insurance but leave in place the rest of the law, including two major insurance regulations: guaranteed issue and community rating.
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Thomas B Hagen is son in law of the now-deceased founder of Pennsylavnia based insurance firm Erie Idemnity .
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Even more so, anyone who has had to navigate the waters of business insurance or employment law can tell you entrepreneurship is not for the faint of heart.
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Indeed, disruption of people's existing insurance is one of the law's stated goals.
As it happens, the first three elements are exactly the model of the ACA. The law includes insurance exchanges, a requirement that private insurers make coverage available to everyone regardless of health status, and the obligation that everyone have at least basic coverage.
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By contrast, more than 70 percent would keep the part of the law that bars insurance companies from denying coverage to people who have pre-existing medical conditions.
It seems very likely that the unchecked operation of this law with the insurance industry reforms but without the individual mandate means death to the private health insurance industry.
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Section 2718 of our new health care law mandates that insurance plans sold to individuals and small employers must spend at least 80 percent of their premiums on health care, and plans sold to large employers must spend at least 85 percent.
Some Republicans question the constitutionality of the requirement in Mr Obama's new health law for every citizen to buy insurance on pain of a fine.
The states argue that the core coverage mechanism of the law, which forces everyone to buy health insurance, is an unconstitutional expansion of federal powers.
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Add in all the other cost-inflating provisions of the healthcare law and the long-standing trend of increasing health insurance premiums and the price of a family health insurance policy is expected to double over the next decade.
In other words, Obamacare will more than double the cost of health insurance for many young people, and then the law will turn around and spend taxpayer dollars to subsidize the purchase of this newly costly insurance.
The new law will force all of us to purchase insurance whose cost is likely to grow at twice the rate of growth of our incomes.
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In just a year and a half, about one million more young adults have health insurance because of this law. (Applause.) One million young people.
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The SHOP is a key part of the health-care law because it aims to help lower insurance premiums by spreading the costs and associated risks among a large pool of participants.
Last month, the U.S. Court of Appeals for the Sixth Circuit was the first appellate court to reach a decision on whether the Commerce Clause authorizes Congress to force private citizens to purchase healthcare insurance under penalty of federal law.
On health care, you're going to get a chance to decide whether the minute the President signs that bill into law an insurance company cannot discriminate against a child who can't get health insurance because of a preexisting condition.
Supporters of the White House law have said it will save money in the long run by curbing insurance companies and limiting the growth of health care costs.
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If upheld, the law would forbid insurance companies from denying coverage because of pre-existing medical conditions.
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More than 3 million young adults have gained health insurance because of the health care law.
It'll be against the law for insurance companies to deny you coverage because of a preexisting condition.
This would have respected creditor hierarchy and, by not trampling on deposit insurance, honored the rule of law.
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Patients with pre-existing medical conditions have also been able to obtain health insurance since the passage of the law.
Under this plan, it will be against the law for insurance companies to deny you coverage because of a pre-existing condition.
Experts say it is increasingly important for patients to lock in a primary-care doctor soon because of expected increased demand for physicians starting in 2014, when the new federal health-overhaul law will add millions of people to the health-insurance rolls.
What your plan does is to duplicate what's already the law, which says if you are out of health insurance for three months, then you can end up getting continuous coverage and an insurance company can't deny you if it's been under 90 days.
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