This year, small business owners will receive tax credits to purchase health insurance.
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Both Medicare and Medicaid should be turned into risk-adjusted, income-adjusted vouchers, allowing poor beneficiaries to purchase health insurance policies that best meet their needs.
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Well, it was only a matter of time: Newt Gingrich has a new position on the individual mandate requiring every American to purchase health insurance.
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Is a government authorized to ration medical care and force individuals to purchase health insurance against their will consistent with even a minimal notion of privacy, private property and economic freedom?
This would require every individual to purchase health insurance.
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Chief Justice Roberts raised the popular argument that the government already assesses cigarette taxes as a financial disincentive to smoking, and he likened that to a tax incentive to purchase health insurance.
Under the bills passed by the House and the Senate, most Americans would be required to purchase health insurance, with the government providing tax credits to subsidize the cost to low- and middle-income Americans.
Chief Justice Roberts ruled that the ACA mandate to purchase health insurance under the Commerce Clause unconstitutional, a mini victory for opponents of ACA. In my view, calling it a tax is hard to swallow.
As the case has moved through the courts, NFIB and its co-plaintiffs have consistently argued that the mandate requiring every American to purchase health insurance or pay a penalty is a profound overreach of government power.
Those uninsured who become too sick to purchase health insurance in the market for the first time, perhaps because they have contracted cancer or heart disease, for example, would be assured of guaranteed coverage through the risk pool.
Perversely, the individual mandate compels individuals by law to purchase health insurance sold only within completely intrastate markets, a regulatory compulsion that by its very construction fails to involve the regulation of interstate commerce, which presumably authorizes it in the first instance.
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But I also know that when it comes to keeping our kids on our health insurance policies until they are 26 or finally being permitted to purchase health insurance on a community rated, guaranteed issue basis even if we suffer a pre-existing health problem, people feel very differently.
In 2014, these Church affiliated organizations will be required by law (assuming the insurance mandate survives) to purchase health insurance for its employees, thus removing the opportunity for these organizations to simply choose not to give employees a health benefit at all if, by doing so, they would be violating their religious principles.
The second thing this does is it creates a pool, a marketplace, where individuals and small businesses, who right now are having a terrible time out there getting health insurance, are going to be able to purchase health insurance as part of a big group -- just like federal employees, just like members of Congress.
While these facts suggest that it may be a prudent decision for an individual to purchase health insurance or firms to offer health insurance as an employment perk, there is no justification for the government to nullify individual rights by forcing individuals to provide for the healthcare of others irrespective of the effect on the national economy.
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In other words, the Secretary argued that because the Treasury Secretary is the official responsible for administering the Internal Revenue Code (which is the mechanism for assessing penalties on Americans who choose not to purchase health insurance), the court cannot award complete relief in the case because the Treasury Secretary, as an indispensable party, has not received adequate notice of the lawsuit.
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Yet, that would not be necessary since simply replacing the tax exclusion with fixed tax credits would greatly expand the number who opted to purchase health insurance even without adding to the total dollar amount of subsidies in the system (does anyone think Bill Gates will drop his health insurance coverage if his subsidy is reduced from 40 percent to, say, 20 or even 10 percent?).
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States would be free under this reform to provide financing to the poor to purchase private health insurance, empowering the poor to enjoy the same health care as the middle class, because they would enjoy the same health insurance as the middle class.
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In addition to the ideas favored by the insurers, the alternatives included levying a national tax to pay for uncompensated care, increasing federal subsidies to help people purchase health insurance, encouraging credit-ratings firms to use health-insurance status in determining ratings, and expanding employers' roles in enrolling people in insurance plans.
Congress should transform Medicaid to provide assistance to purchase private health insurance for all those who otherwise could not afford coverage, ideally with health insurance vouchers.
Moreover, workers who do not receive employer provided coverage are eligible to purchase their health insurance on the state Exchanges with extensive taxpayer subsidies to help cover the cost.
Eventually, the accounts could be expanded to cover the payroll taxes for Medicare, another 2.9% of wages, with the saved funds financing monthly annuity benefits used to purchase private health insurance in retirement.
In addition, there will be a fully operational individual exchange where their employees can go to purchase great health insurance and possibly qualify for premium tax credits to help pay for that health insurance.
Virginia Attorney General Ken Cuccinelli, who was among the first to challenge the constitutionality of the mandated health insurance provisions of the health care reform legislation, won a major round today as Judge Henry Hudson agreed that forcing Americans to purchase health care insurance exceeds the constitutional authority of Congress.
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Employees of businesses with fewer than 50 employees that do not provide health insurance will be eligible to purchase their own coverage through the health insurance exchanges that will be established under the Affordable Care Act in 2014.
In many U.S. states like Wyoming, it is virtually impossible for women to purchase individual health-insurance policies that will pay for the costs of having a baby.
The states could then provide federal assistance to the poor to purchase the private health insurance of their choice, freeing them from the Medicaid ghetto that so badly underpays doctors and hospitals that the poor on Medicaid suffer trouble in finding essential care.
It includes the Obamacare employer mandate requiring employers to purchase the most expensive health insurance for their employees, which is another tax on jobs.
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In retirement, the accumulated funds would finance a monthly annuity that the retiree would use to help purchase the private health insurance of his choice.
Barring that, families could apply the tax rebate to health insurance they purchase on their own.
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