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.
The health insurance law we passed last year will slow these rising costs, which is part of the reason that nonpartisan economists have said that repealing the health care law would add a quarter of a trillion dollars to our deficit.
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The new insurance law, expected to take effect next month, will force policyholders, who in bankruptcy proceedings take precedence over holders of subordinated debt, to lose out first.
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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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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But even as millions enjoy the benefits of reform, opponents continue to try and give control back to the insurance companies by challenging the law in court.
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.
Both the House and Senate bills would make it against the law for insurance companies to deny you coverage on the basis of a pre-existing condition or illness.
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In creating this false right, EMTALA also fuels the animus of certain individuals against purchasing their own health insurance because the law created an emergency care safety net that is always available.
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The nonpartisan Congressional Budget Office has projected that an additional 32 million Americans will get insurance, and the law has already extended tax credits to small businesses for buying insurance and allowed many parents to keep their children on their health plan until their 26th birthday.
This year, all lifetime limits on how much insurance companies cover if women get sick will be eliminated and the law bans insurance companies from dropping women from coverage when they get sick.
The federal law gives state insurance regulators the power to review premium hikes but not to reject them.
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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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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.
Let people choose the deductible they want. n If an employer doesn't offer health insurance, the law prohibits a worker from buying his own Medical Savings Account.
U.S. District Henry Hudson, in a 42-page opinion, granted the state of Virginia summary judgment in its suit seeking to declare the insurance mandate unconstitutional, thus threatening the entire package of insurance reforms in the 2, 700-page law.
Judge Moon's opinion put the individual mandate in the context of the law's broader overhaul, writing that the law removes "many barriers to insurance coverage, " encourages small businesses to provide coverage and creates insurance exchanges where people can comparison-shop for plans.
The court found that the individual insurance mandate at the heart of the law was not enforceable under Congress' power over interstate commerce but rather as a tax.
Mr. Acevedo's name surfaced as investigators tracked the BMW to a Bronx woman who was charged on Sunday night with insurance fraud, the law-enforcement official said.
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The Congressional Budget Office estimated that the law would drive individual insurance premiums up by as much as 30% because it required policies to cover more and share fewer costs with beneficiaries.
State Rep. Richard Smith, head of the insurance committee in the Georgia House, says state law requires any mandate on insurance companies to go through a special committee to study the impact.
It'll be against the law for insurance companies to deny you coverage because of a preexisting condition.
Under the law, insurance companies are already banned from denying coverage to children because of a pre-existing condition.
Premiums also increase when the law obliges insurance policies to cover more benefits.
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Under this plan, it will be against the law for insurance companies to deny you coverage because of a pre-existing condition.
By encouraging people to buy health insurance, the law will protect people from the strange whims of those people in hospitals to set prices.
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Since the law requires insurance companies to accept all comers, even people who are already sick, it requires healthy people to buy coverage as well.
They had health insurance through the COBRA law, which lets a fired worker continue in his or her former health plan for up to 18 months.
And it will be against the law for insurance companies to drop your coverage when you get sick or water it down when you need it the most.
The DFS alleged that the companies violated state insurance law.
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