Supreme Court Health Care Reform Decision: Choose Your Own Adventure

Remember the “Choose Your Own Adventure” books from the time you were a kid? At the end of each chapter you’ve got to make a decision what sort of story continued by choosing an outcome along with the overall story would change accordingly. Well unfortunately, a panel of unelected officials will probably be choosing our “adventure” tomorrow for individuals. This “Choose Your Own Adventure” story is epic in space and spans over 2600 pages making along the Bible pale when compared (no messianic pun intended but possibly warranted). The cast of characters with this epic “story” is large. We have a President whose re-election and legacy will be impacted by the Supreme Court’s decision. We have insurance carriers that employ tens of thousands of folks. have healthcare suppliers that simply want to practice medicine and an equilibrium between risk (lawsuits) and reward (insurance reimbursements). Lastly and more importantly, we’ve the American people, the industry class that all with the above belong to being consumers of healthcare.
The Patient Protection and Affordable Care Act or PPACA, could be thrown out entirely and deemed unconstitutional. PPACA could possibly be left intacta (sic deliberately, I couldn’t resist). The individual mandate could also be stripped. Although I am for a limited government , nor believe the Interstate Commerce Clause ought to be applied in the matter of Obamacare, one from the worst outcomes can be for that Supreme Court of the United States (SCOTUS) to deem the average person mandate unconstitutional leave the rest of PPACA in tact. Why you might ask? Just like in automobile insurance, you must have safe drivers paying in premiums that ultimately cover the claims of those who file claims. Since auto insurance is required by law for most states (notice the Interstate Commerce Clause will not be applied from the government to automobile insurance nevertheless there is no political capital available there), you do not have the challenge of only high utilizers buying insurance. In health insurance, unfortunately those that either have a high frequency of claims or harshness of claims buy health care insurance and the ones that rarely go to the doctor choose much less. The reason the consumer mandate was a part of PPACA would have been to force “healthy’ people onto insurance and so the carriers could collect premiums from their website to be able to offset the high claims of those with pre-existing conditions who now should be covered for legal reasons that weren’t previously insurable. If the average person mandate is deemed unconstitutional as well as the carriers aren’t getting the increase in premiums from your healthy people forced onto health insurance, premiums will in the end increase for anyone, thus defeating one with the supposed primary reasons like Obamacare which ended up being stabilize medical costs.
Regardless of the way the Supreme Court rules tomorrow on PPACA, it might all get legislated away if somehow the Republicans maintain control with the House and gain control in the Senate and White House. Either way, our futures might do not be a similar come 2013.
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