Obamacare Struck Down

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Dave70968

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https://thehill.com/policy/healthcare/421511-federal-judge-in-texas-strikes-down-obamacare

A federal judge in Texas on Friday struck down the Affordable Care Act, throwing a new round of uncertainty into the fate of the law just one day before the deadline to sign up for coverage for next year.

U.S. District Court Judge Reed O'Connor ruled that the law's individual mandate is unconstitutional, and that because the mandate cannot be separated from the rest of the law, the rest of the law is also invalid.

The ruling is certain to be appealed, and legal experts in both parties have said they ultimately expect the challenge to the health law will not succeed. ObamaCare will remain in effect while the case is appealed.

President Trump took to Twitter on Friday night to tout the judge's ruling while calling on congressional leaders to work on a new law, despite the chances of Congress passing a replacement law that both parties can agree being essentially zero.

"Now Congress must pass a STRONG law that provides GREAT healthcare and protects pre-existing conditions. Mitch and Nancy, get it done!" Trump tweeted, referring to Senate Majority Leader Mitch McConnell (R-Ky.) and expected incoming House Speaker Nancy Pelosi (D-Calif.).

O'Connor, an appointee of President George W. Bush, acknowledged in his ruling that health care is a "politically charged affair — inflaming emotions and testing civility."

But he added courts "are not tasked with, nor are they suited to, policymaking." Instead, he said they must determine what the Constitution requires. In this, case O'Connor said the Constitution does not allow the mandate to stand.

The reasoning of the ruling states that in 2012, the Supreme Court upheld the mandate to have coverage because of Congress's power to tax. But, last year, Congress removed the fine for failing to comply with the mandate, which, he argues, means the mandate is no longer a tax and therefore is unconstitutional.

In a controversial move, the judge added that because the mandate is "essential" to the rest of the law, without the mandate, the entire law is invalid.

Legal experts in both parties have denounced that argument, saying it is obvious that Congress wanted the rest of the Affordable Care Act to remain when it repealed only the mandate penalty last year.

Democrats accused the judge of waiting until after the election to issue the ruling, saying he knew striking down the law before the election would harm Republicans.

The court case, brought by 20 GOP-led states, was at the center of this year's campaign after Democrats attacked Republicans for supporting the lawsuit and seeking to overturn ObamaCare's protections for pre-existing conditions.

The Trump administration, in a rare move, declined to defend the law in court and instead argued the pre-existing condition protections should be overturned.

Nicholas Bagley, a law professor at the University of Michigan, wrote on Twitter Friday night that he thinks the ruling does not prevent the Affordable Care Act from remaining in effect while the appeals process plays out, because there is no injunction from the court.

"Everyone should remain calm," he wrote.

Senate Democratic Leader Charles Schumer (N.Y.) said Friday in a statement that he hopes the ruling is overturned.

“The ruling seems to be based on faulty legal reasoning and hopefully it will be overturned," he said. "Americans who care about working families must do all they can to prevent this district court ruling from becoming law.”
— Updated: 9:38 p.m.
 

Dave70968

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Posted from The Hill because I think it was the best article, particularly addressing the lack of an injunction and the fact that both sides think the legal reasoning is shaky. Next step is the circuit court (5th), thence SCOTUS.
 

RickN

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I don't know if the ruling will be upheld or not. On one hand it seems overly broad, on the other Roberts may see it as a way out after being lied to by the Obama admin.
 

dennishoddy

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I hope it is. My wife retired a year ago so her COBRA is going to expire and we are a long way from being eligible for the subsidies.

Almost $1500 a month to continue her insurance on her own without me on the policy.
I thought it was going to save us $2500 a year according to Obama himself and She could keep her previous plan? LOL.
So our insurance agent told her to look at Medishare.
It’s a Christian based company that was exempt from the individual mandate. The mandate has been rescinded but Medishare is looking promising.
Anybody use it, how well did it pay? Our agent was pretty upbeat about it
 

Fyrtwuck

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Insurance agents are always upbeat to sell their plans.

You start a career at a young age and they sell you a plan. Unless something happens, you never have to use it and the insurance is paid for doing nothing. When you get older and need insurance, it seems there is one reason or another that they don’t have to pay buried in the policy and you have to fight for every dollar to pay your medical bills.
 

Uncle TK

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I hope it is. My wife retired a year ago so her COBRA is going to expire and we are a long way from being eligible for the subsidies.

Almost $1500 a month to continue her insurance on her own without me on the policy.
I thought it was going to save us $2500 a year according to Obama himself and She could keep her previous plan? LOL.
So our insurance agent told her to look at Medishare.
It’s a Christian based company that was exempt from the individual mandate. The mandate has been rescinded but Medishare is looking promising.
Anybody use it, how well did it pay? Our agent was pretty upbeat about it

Dennis
Medishare is cost sharing not insurance
You sign up and they give you a name to send your $150 (Example) a month to.
If you have a medical expense, you pay it out of your pocket.
You then submit a need and medishare assigns individules to send you $150 a month until you need is reimbursed.
 

tRidiot

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Dennis
Medishare is cost sharing not insurance
You sign up and they give you a name to send your $150 (Example) a month to.
If you have a medical expense, you pay it out of your pocket.
You then submit a need and medishare assigns individules to send you $150 a month until you need is reimbursed.
?????

Seriously???
 

dennishoddy

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Dennis
Medishare is cost sharing not insurance
You sign up and they give you a name to send your $150 (Example) a month to.
If you have a medical expense, you pay it out of your pocket.
You then submit a need and medishare assigns individules to send you $150 a month until you need is reimbursed.

Are you a member of Medishare?
Your correct that it is not called insurance, but I’m of the understanding that the medical provider codes and submits for payment just like insurance.
What’s interesting is that my insurance agent doesn’t sell it, he only recommended we look at it.
 

Shadowrider

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That video is considerably different than your previous post. To the end user it's not a lot different than insurance. You have a monthly premium, copay, and the bills are coded and go to the provider. The accounting at the provider is different, but the end user doesn't really know the difference for the most part.

As a business model I don't for the life of me know why this couldn't work far better than our current system as long as it's managed properly. Get the .gov out of the way and see what happens. A few large groups form nationally and BOOM! Insurance will transform itself.
 

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