The major health care bill that passed in the House on Sunday, March 21, contains so much information that much of it is unclear to many of us. One controversial element of the bill is the “individual mandate,” the requirement that everybody purchase health insurance. But what does “everybody” mean and what does “purchase” mean?
According to The Monitor, the mandate will be enforced by tax penalties. The uninsured would have to pay, beginning in 2014, $695 for each uninsured family member, up to a maximum of $2,085, or 2.5 percent of household income, whichever is greater.
Since insurance companies will no longer be able to exclude those with pre-existing conditions, their costs will most likely go up. The universal requirement to purchase insurance will bring younger and healthier people (who until now may have gone without insurance) into the insurance pool. This may even out the costs to the companies, and possibly even to the consumers.
There will be legal challenges to the health care bill due to the mandate. Already, 12 states’ attorneys general have claimed that Congress has over-stepped the boundaries of its power by requiring most citizens to purchase health insurance. But, like other struggles over an individual’s right to do or not do something (public smoking laws, helmet laws, car insurance) it is a always a fight between the individual who wants to control his or her actions in a particular area and the rest of the individuals who have to pick up the tab.
Related Resources:
- Health care reform bill 101: Who must buy insurance? (The Christian Science Monitor)
- Is it Unconstitutional to Mandate Health Insurance? (Health Reform Watch)
- What is Single Payer Health Care? (FindLaw’s Law and Daily Life)
- Health Insurance (FindLaw’s LawBrain)
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