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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 Affordable XXXX Act XXXXXXXXX XXX quality, accessibility, and affordability of XXXXXX XXXXXXXXX. XX XXXXXXXX, most people XXX XXX afford to must XXXXXX Health Coverage by XXXX or XXX a XXX-month fee. The XXX eliminates pre-XXXXXXXX conditions, stops insurance companies from XXXXXXXX you XXXX you are sick, protects against XXXXXX discrimination, XXXXXXX free XXXXXXXXXXXX services and XXXXXX XXXXXXXX, XXXXXXX XXXXXXXX XXX CHIP, improves Medicare, requires XXXXXX employers XX insure their employees, creates a marketplace XXX XXXXXXXXXX XXXXXXXXX XXXXXXXXX tens of XXXXXXXX individuals, families, and small XXXXXXXXXX with free or XXX-XXXX XXXXXX XXXXXXXXX, XXX decreases healthcare XXXXXXXX and XXX deficit.”[X]
The XXXXXXXXXX XXXXXXX XXX the ACA
XX XXX XXX ACA, all American adults less XXXX XX years (XXXX XXXXXXX exempted groups) are XXXXXXXX XX have a XXXXXXX XXXXXX insurance XXXXX, starting XXXX XXXX onwards. XXX XXXXXXX XXX be XXXX as your XXXXXXXXXXXX to ensure XXXX XXXXXX insurance XXXXX affordable XXX all. The XXXXXXXXXX XXX XX XXXXXXXXXX into (a) The assesse falls in XXX classes XXXXX XXX XXXXXX from the ACA XXX (b) The XXXXXXXX&XXXXX; requirement XXX the XXXXXXX mandate XX XXXXXXXXX XXX XXX XXXX and XXXXX XX no XXXXXXX XXXXXXXXX XX penalty for XXXXXXX to XXXX XXXXXXX health insurance XXXXXXX.[3] As XXXX XX the first XXXX XXXXX XXXXX ACA XXXXXXX XXX( penalty) XXXXXXX XXXX be XXXXXXXXX to the IRS, XX XXX assume XXXX XXX XXXXXXX XXX XXXX be subjected to XXXX XXXXX attack by XXX XXXXXX Quarter XX 2015.
American XXXXXXXX, who XXXX XXXXX the XXXXXXXXX XXXXXXXX, XXX XXX XXXXXXXX XX have health XXXXXXXXX [i.e. class (a) XXXXX]. XXXXX are
I. Members XX a religious faith XXXXX XXXXXXX XXXXXXX XX benefits from a health XXXXXXXXX providing XXXXXXX.
XX. Undocumented XXXXXXXXXX.
XXX. People XXX XXX incarcerated.
IV. XXXXXXX XX XXXXXX XXXXXXXX/ XXXXXX XXXXXX.
X. Citizens whose earnings are so low that tax XXXXXXX need not be XXXXX. (XXXXXXXXX $10,000 XXX an XXXXXXXXXX XXX $XX,XXX XXX a family in 2013).
XX. XXXXXXX XXXXX XXXXXX XXXXXXXXX payments XXXXXX 8% XX their XXXXXX, after XXXXXX XXXX account XXXXXXXX XXXXXXXXXXXXX or tax XXXXXXX.
We then XXXX group (b) of which XXXXX meeting the XXXXX&XXXXX;s criteria XXXX XXX XXX XXX XXXXXX insurance that year XX they are XXXXXXX deemed to XXXX fulfilled XXXXX XXXXXXXXXXX in that regard. XXX citizen XXXX XXXX under XXXX XXXXX if he or XXX XXX XXXXXXX XXXXX the whole XXXX under the following XXXXXXX or a XXXXXXXXXXX of XXXX.[X]
X. Medicare
X. Medicaid or XXXX ( Children’s XXXXXX Insurance XXXXXXX).
3. TRICARE (for service members, XXXXXXXX and their families)
4. XXXXXXX&XXXXX;s XXXXXX Insurance Program
5. XXXX offered XX an XXXXXXXX.
X. XXXXXXXXX XXXXXXX XX self (XX least XX XXX bronze level)
X. XXXXXX of a Grandfathered XXXXXX XXXX which was in XXXXXXXXX prior to March 26, XXXX.
Unless a XXXXXXX XX XXXXXXXX as XXXXX above, he is XXXXXX XXX XXXXXX insurance at XXX minimum XXXXXX XX
XXXX: $XX for XXXXX XXX $47.XX for child (upto XX $XXX for a XXXXXX XXXXXX) or 1.X% XX XXXXXX XXXXXX whichever XX XXXX.
2014: XXXXXXX $325 XXX adult and $XXX.XX XXX XXXXX ( capped XX $975 for XXXXXX) or 2.0% XX family XXXXXX, XXXXXXXXX is XXXX.
XXXX XXX XXXXXX: XXXXXXX $695 for XXXXX XXX $347.XX for child ( capped at $X,XXX XXX family) or X.X% of XXXXXX income, whichever XX XXXX.
XXXXXX 2016, XXX XXXX figures XXXX apply but XXXX XXXX of living increase (inflation XXXXXXXXXXX)[5]
It can XX XXXX XXXX XXX best XXXX of the XXX is XXXXXXXXXX XXX insurance companies which have XX XXXXX XXXXXXXXX XXXXXXXXXX XX pre-existing XXXXXXXXXX. The XXXXXXXXXX pays XXXXXXXXX for XXXX who are XXX XXXXXXXXXXXX weak. The XXX XXXXX XXXXXX XXXXXXXXX XXXXXXXXXX XXX XXXXXXXX XXX no XXX, in a XXXXXXXXX society, can be allowed XX die on XXX streets. XXXX seriously XXX or XXXX when XXXXX, human XXXXXXX cannot XX XXXXXX XX anyone XX what XXX ACA champions.
XXXXXXX, it XXXXX pointing out XXXX the XXX XXXXXXXXX XX the penalty/XXX cannot be XXXXXXXXXX XXXXX criminal XXXXXXX. The maximum fall XXXX is XXXX the IRS XXXX XXXXXX the defaulting XXXXXX XXXX XXXX fine, from the XXX return checks XX the XXXXXXXXX.
Opposition to the XXXXXXXXXX XXXXXXX
XXX PPACA encountered a XXX of XXXXXXXXXX XX XXX XXX XX XXXXXX the XXX XXX the ‘worst affected XXXX&XXXXX; (as XXXX XXX post XXXXXXXX) XXX XX the XXXXXXXXXX XXXXXXX XXXX connecting it to XXX XXXX XXXXXXX.
The thickest XXXXX on XXXXX XXX XXX XXX XXXX made XX XXXX upon is unquestionably, XX XXX XXXXXX E.XXXXXX, XX. XXXXXX XX the XXXXXXXX Organization &XXXXX; that it violates the XXXXXXX XX XXXXXXXX Federalism XXX XXXXXXXX Liberty”[6] XXX XXXXXXX XXXXXXXX paper has XXXX opined that the last straw XX the XXXXXXXX XXXXXXX XXXXXX what to XX. XX it questions that XX the mandate XX not XXXXXXXX, then XX it XXX XXXXXXXX that XXXXXXXX XXXXXXXXX XXX XX XXXX XX XXX Government XXXX XXX XXXXX citizens will XXXX XX XXXXX XX a XXXXXXX diet which it will XXXXXXXX, or otherwise if &XXXXX;fat Joe&XXXXX; XXXX XXX want XX XX on a XXXX XXXX all Joe has to do XX pay a &XXXXX;XXX-tax&XXXXX;. XXXX XX XXXXXX XXXXXXXXXX. It is in keeping XXXX the great American tendency to exaggerate XXXXXX with XXXXXXXXXXXX.
The main complaint appears to XX that related XX the XXXXXXXXXXXX. XXXXXXX refuses XX XX something on XXX grounds that it is unconstitutional XXX XXX XXXXXXXX XXXXX XXX to XX the same thing because he XXXX XXXX &XXXXX;not XXXXX it&XXXXX; XX unconstitutional. However, should one XXXXXXXX both XXX gentlemen as to XXX XXXXXXX XXX which doing (or not doing ) XX XXXXXXXXXXXXXXXX, then XXX XXX XXXXXX XXXXX XXXX XXX one will be able to offer XXX XXXXXXX. They XXXX XX silent XXX XXXXXXX XX XXXX of eloquence XXX ignorance XX the subject matter. XXXX XXX Americans have gone thoroughly through XXX XXX to the XXXXX XX XXX PPACA, because it XX unreadable. Of every page of XXXXXXXX XXXXXX, XXX or two lines of meaning XXXXXX. We XX XXX however XXXXX the XXXXXX away as it XX a XXXXXXXX present XX XX from the British.
Now, let XXX XXXXXX XXXXX XXXXX XXX XXXXXXXXXXXXX XXXXXXX (a) XXX XXXX of the Federal Government in XXXXXXX out XXX XXXXX (b) the XXXXXXX of XXX XXXXXXX XXXXXXXXXX in XXXXX endeavor to get XXX XXX XXXXXX XXX XXXX XX implement it after it becoming law. XX XXXXXXX in XXXX XXXX XXX, dear XXXXXX, this XXXXXX can only XXX one XXXXXXXX XXXXXXXXXXXXX XXXXX XXXXXX high XXXX Mount Everest XX the XXXXXXXXX XXX soon XXXXXX XXXXXXXXXX XXXXX a persistent onslaught. XX a research paper is a whodunit ( the case being a homicide XXXXXXXXXX XXXXXXXXXXXXX) which the hero has XX solve, then this XX XXX XXXXXXXX and we XXX required to XXXX out if the contradiction XX XXXXXX so or XX it the same thing seen in a different perspective. XX XXXX XXX to find out.
XX XXXXX XX the decision of the XXXXXXX Court XX XXX XXXX XXX XXX reasons XXX XXXXX so are XXXXXXXXX XXX elucidated in this XXX other paragraphs XXXXX XXXXXX it.
XXX US XXXXX XXXX XX XXX summit of a XXXX mountain XXXXXXX at the XXXXX incline XXXXXXXX, the steepest XXXX the nation XXX ever gone XXXX and the mountain &XXXXX;the XXXXXXX XXXX it has XXXXXXX XXXX XXX. XX XXXX XXXX XX facing natural XXXXXXX XXXXXXXXXX which will XXXXX together by coincidence, testing XXX very seams of XXX XXXXXX XXXX XXXXXX. XXXXX XXX (a) XXX XXXXXXXXX age of XXX baby XXXXXXX and (b) XXX overall average XX XXX XXXXXXX&XXXXX;s population XXXXXXXXXX as XXX old and infirm XXXX XX in XXX majority. XXXXX, XXX XX XXX second highest XXXXXXX (after France) XXXXXXXXXX XX a XXXXXXXX XX pill-poppers, XXX victims of multinational XXXX manufacturers. Therefore XXXX we XXXX XXX XXXXX, our XXXX-XXXXXXX minds XXXX XX hypochondriacs and XX appear XX XX XXXXXX to survive XXXXXXX physicians and nurses in our XXXXXXXXX vicinity. Now, we can see a XXXXXX XXXX system in the XXXX near future XXXXX is strained and XXXXXX to cope up with the XXXXXXXX XX quality XXXXXXX care to the citizens. XX XXXX to prepare XXX this XXXXXX XXXX today in XXXXXXX or maybe XXXXX XXXXXX ventures.
XX XXX recent XXX between XXX XXXXXX XXX XXX XXXXXXX Government, the XXXXX XXXX been almost XXXXXXXXX attributed XX heath care when the XXXXXX credit head should XXXX XXXX ‘Inventory costs for storage XX the XXXXXX XX XXX constitution&XXXXX;. XXX constitution was written XXXXXXXX of years XXXX when people XXX XXXXXXXXX XXXX different. XX we seriously XXXXX XXXX XXX XXXXXXXX fathers XXXXXXXXX our XXXXXXXXXXXX in such a XXX XXXX they XXX relevant irrespective XX XXXX? XX XX XX, XXXX XXXX XX ridiculous. Our constitution XXX XX change as per the XXXXX. XX the XXXXXX is XXX sure XXXXX the XXXXXXXXX of this diatribe, XXXX he XX requested to XXXXX XXXXX the X
Victor X.Fuchs of the XXXXXXXX XXXXXXXXXX points out that our healthcare XXXXX are XXX XXXXXXX in XXX world XXX our XXXXXXX XXX not very impressive. XXX XXXXXXXXXX XX the machine which converts greenbacks XXXX healthcare is going down continuously. Why XX XXXX happening. Over utilization and XXXXXXX says Victor XXXXX. The table given in Appendix I XXXXXX XXX XXXXXX. We have too many drugs for mild XXXXXXXX XX don’t XXXX coming out. We XXX highly over staffed. Our physicians XXX XXXX-XXXX. Most XX XXXX have built XX private XXXXXXXXX and do not XX to XXXXXXXXX in the evenings/XXXXXXXX. Patients XXXX XXXX XXXXXX XX doctor. Their medical XXXXXXXXX are XXXXXXX XX every stage. MRI&XXXXX;s, XXX scans etc. XXXX XXXXX XXXX because XXX doctor has \more XXXXX in ‘ XXX XXXXXXXX XXXXXXX’.For the XXXX 3o XXXXX, healthcare costs XXXX increased X.8% every year over the XXX before it. XX another XX years, XXX healthcare costs will equal 30% XX XXX XXX[9].
XXXXXXXXXX:
XXX PPACA XX XXX perfect XXX it is the most XXXXXXXXX XXXXXXX we have today. XX is a plan XXX action XXXXX in my XXXXXXX, we XXXXXX embark upon XXXXXXXXXXX. We XXXX XX stop XXXXX XXXXXXXXX and pull XXX heads above the ground. We should see the XXXXXXXX XX XXXXX XXXX gone XXX start XXXXXXX to make XX. XXXXX, we XXXX need to XXXXXX XXXXXXXXXX but so XX it. At XXXXX, XXX XXXXXXX up will be XXXX for XXX XXXX physical work to XXXXXX.
APPENDIX-I
XXXXXXXXXX XX Health Care XXXXX, Quality and XXXXXXXX
For source, XXXXXX XXXXX XX (b) above (in XXX table)
XXXXXXXXXXXX
Fuchs V.X. and XXXXXXX, J.E. XXX Perfect XXXXX XX Overutilization, XXXX, XXXXXXX of the American XXXXXXX Association, June XX XXXX
XXXXXXXXX Facts,. &XXXXX;XXXXXXX Court Obama Care | Ruling on XXXXX XXXX’ 2015, URL http://XXXXXXXXXXXXXX.com/XXXXXXX-court-obamacare/. XXXXXXXX on 10th XXXXXX XXXX
Obamacare XXXXX,. 2015. XXXXXXXXX XXXXXXXXX | An XXXXXXXXXXX XX Obamacare. URL http://XXXXXXXXXXXXXX.com/obamacare-explained/. Accessed on XXXX XXXXXX 2015.
Mach, X X. “ Individual Mandate under XXX ACA&XXXXX;, ( XXXXXXXXXX X.X., Congressional Research Service XXXXXXXXXXX, XXXX).
Moffit, X.X. &XXXXX;
XXXXXX X. Fuchs, &XXXXX;Three inconvenient truths XXXXX Healthcare&XXXXX;, (XXXXXXX of XXX American Medical Association, XXXX, XXXXXXX XX).(page)X
Zamosky, X., “ XXXXXXXXXX, Insurance, and You: XXX XXXXX Consumers Guide” , ( New York, XX, XXXXXX Media XXX. 2013, 29th XXXXXX).
***********
[1] Health XXXX Reform by X.X.XXXXX (X XXXXXXXXXXX of XXXXXXXX). Sec1: 23-XX. The Robert XXXX Johnson
XXXXXXXXXX, Stanford University
[X] (Obamacare Facts 2015) Obamacare XXXXX,. 2015. XXXXXXXXX XXXXXXXXX | An XXXXXXXXXXX XX XXXXXXXXX.
[3] XXXX Zamosky, Healthcare, Insurance, and XXX: The XXXXX XXXXXXXXX XXXXX, ( XXX XXXX, NY, XXXXXX Media LLC. XXXX, 29
[X] XXXX
[5]Annie.L.Mach, Individual Mandate XXXXX the ACA, ( XXXXXXXXXX D.C., XXXXXXXXXXXXX Research XXXXXXX XXXXXXXXXXX, XXXX). X-X
[X] XXXXXX X.Moffit, ‘XXXXXXXXX and the Individual XXXXXXX: Violating Personal Liberty and XXXXXXXXXX’. XXX XXXXXXXX Foundation’ XXXXXX . 2011, XXXXXXX XX . Accessed XX XX
[X] (XXXXXXXXX XXXXX, XXXX) XXXXXXXXX XXXXX,. ‘XXXXXXX Court XXXXX Care | XXXXXX XX XXXXX XXXX&XXXXX; XXXX, XXX XXXX://obamacarefacts.com/XXXXXXX-court-obamacare/. Accessed on XXth August 2015.
[8] Ibid
[X] XXXXXX R. XXXXX, &XXXXX;Three inconvenient truths XXXXX Healthcare&XXXXX;, (XXXXXXX of the American XXXXXXX Association,
XXXX, XXXXXXX 23).1