Is mandating health insurance unconstitutional

Opponents say health care is a "choice" and no one should be forced to pay for coverage for themselves, or for others.Obamacare is a mess, but Congress isn't making the right fixes Proponents of mandates and no exclusions say that for the good of everyone we need as many people as possible covered by insurance.On Thursday June 28, 2012 the US Supreme Court upheld the constitutionality of the PPACA in a 5-4 ruling.Proponents of the health care legislation have called it a "historic victory" and "landmark legislation" that reforms the US health care system by lowering health care costs, making health care more affordable, and protecting consumers from unfair insurance practices.Much of the debate about the "repeal" of Obamacare and whether to "replace" it with Trump Care centers around the mandate that individuals must purchase health insurance, and that companies must make insurance available without exception.Those in favor of mandates say this will make health insurance more affordable if everyone buys it because the risk is spread, and people have the "right" to healthcare.In March 2010, the US Congress passed HR 3590, the Patient Protection and Affordable Care Act (PPACA), and HR 4872, the Health Care and Education Reconciliation Act of 2010.President Barack Obama signed them both into law, along with Executive Order 13535 restricting federal funds from being used for abortion services.

* It would repeal the current exclusion from employees' income of employer contributions to their health insurance premiums, thus terminating the subsidized employer-sponsored group health regime that covers nearly 60 percent of all Americans.In essence, the arguments boil down to which side of one fundamental question you are on: Do the needs of the many outweigh the rights of the individual, or do the rights of the individual outweigh the needs of the many?One of the arguments against mandates is that we already have a safety net funded by everyone to cover those without insurance.In its place, the Republican plan would substitute a refundable tax credit, to be provided to individuals who purchase health insurance (or to employers who purchase health insurance for their employees).When this new arrangement takes effect in 2022, the tax credit would be set at ,300 per adult and

* It would repeal the current exclusion from employees' income of employer contributions to their health insurance premiums, thus terminating the subsidized employer-sponsored group health regime that covers nearly 60 percent of all Americans.

In essence, the arguments boil down to which side of one fundamental question you are on: Do the needs of the many outweigh the rights of the individual, or do the rights of the individual outweigh the needs of the many?

One of the arguments against mandates is that we already have a safety net funded by everyone to cover those without insurance.

In its place, the Republican plan would substitute a refundable tax credit, to be provided to individuals who purchase health insurance (or to employers who purchase health insurance for their employees).

When this new arrangement takes effect in 2022, the tax credit would be set at $2,300 per adult and $1,700 per child, not to exceed $5,700 per family.

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* It would repeal the current exclusion from employees' income of employer contributions to their health insurance premiums, thus terminating the subsidized employer-sponsored group health regime that covers nearly 60 percent of all Americans.In essence, the arguments boil down to which side of one fundamental question you are on: Do the needs of the many outweigh the rights of the individual, or do the rights of the individual outweigh the needs of the many?One of the arguments against mandates is that we already have a safety net funded by everyone to cover those without insurance.In its place, the Republican plan would substitute a refundable tax credit, to be provided to individuals who purchase health insurance (or to employers who purchase health insurance for their employees).When this new arrangement takes effect in 2022, the tax credit would be set at $2,300 per adult and $1,700 per child, not to exceed $5,700 per family.

,700 per child, not to exceed ,700 per family.

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The fundamental reason the ACA will fail is because it mandates a minimum Medical Loss Ratio (MLR).

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