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If the worst happens and the Federal subsidies are found to be unconstitutional what happens to the people who rely on them to get coverage?
I heard one of the Republican attorneys who is arguing the case before SCOTUS say that the Republican Congress can give them tax breaks to make up the difference. That doesn't make sense to me because for many of the newly insured the subsidies are much larger than their tax liabilities.
It's shit like this we should be discussing ...
NM_Birder
(1,591 posts)who were dropped from previous plans due to non-compliance with the ACA.
They will be screwed and dropped, and never mentioned again, ................. because it's bad for the ACA image.
With the way the ACA was advertised, passed and subsequently handled,........ anybody who is surprised at this mess, simply wasn't paying attention.
NoJusticeNoPeace
(5,018 posts)taken advantage of.
NM_Birder
(1,591 posts)The affordable Care Act is an insurance scam honey pot with different fingers in it. It has already been rationalized in every way possible, that's how it got passed,.....clever advertising. The people who were dropped out ? remember them,...meh fuck em they didn't realize how bad they had it.
Just like the way you skip over all the people who were dropped, and forced out of plans they had because they didn't know what was good for them anyway. gotta break some eggs huh ? Well, get the butter out, because you have not even begun to see broken eggs in the numbers you are about to.
The ACA was advertised as the beginning of a grand health care plan, .... but what it is..... is a confusing, hole riddled, insurance provider ponzi scheme where deliberate, legislative self destructive land mines were built right into it. Unless this is where you tell me that the greatest Democratic leaders of our time, and the greatest constitutional professor didn't know that offering half the country the ability to opt out was the smooth path to progress. Ignorant or deliberate, it's one or the other.
Forcing people to accept a sloppy legislated bag of shit in a pretty well decorated bag, is not an improvement over the existing sloppy bag of shit. no matter how pretty it was described. Few more billions spent, and we should just about be able to provide insurance to most everybody, and for those that can pony up the deductible they can use it, those that can't pony up the deductible well they were fucked before anyway right / at least they or the gov pays monthy premiums....and isn't that was the ACA is all about ? Premiums.
NoJusticeNoPeace
(5,018 posts)NM_Birder
(1,591 posts)here is the real hypocrisy on my part though, I have my insurance thru the company I work for, extremely unlikely to lose it. So I guess you're right, ...the fuck do I care, those people had crappy plans anyway.
Have insurance but can't pay the deductible ? so....... the ACA is law.
Doctor drops you as patient because of low procedure re-reimbursement thru the ACA ?...... meh.
Smaller pool of doctors for larger pool of patients ? ...... what's on TV ?
Don't want to buy into the plan and just opt out and pay penalty?.... ok, I'll just go to emergency room and not pay the bill anyway.
Your manner of thought is very relaxing. I'm alright and probably will be, so good luck to everybody else. Allowing half the country to opt out of the exchanges was brilliant, those that are screwed and those about to screwed just don't care that I'm ok.
SIGH is right, .................. who cares anyway.
NoJusticeNoPeace
(5,018 posts)ACA is a drastic improvement over what we had, period.
NM_Birder
(1,591 posts)mmonk
(52,589 posts)than on the ACA.
SickOfTheOnePct
(7,290 posts)Which are part of the ACA.
mmonk
(52,589 posts)if it is blown up. More people will drop coverage that aren't currently sick and the loss of revenue will be spread to others.
DemocratSinceBirth
(99,710 posts)What happens to people in the midst of current treatment who can't afford coverage without the subsidies?
mmonk
(52,589 posts)The future of their situation will remain in doubt.
DemocratSinceBirth
(99,710 posts)alc
(1,151 posts)insurers won't have a huge number of subsidized customers to make money off. so insurers are likely to drop/change plans that non-subsidized customers are getting.
And many young people will likely meet the hardship exemption without subsidies so won't need to pay penalties and won't want to buy the non-subsidized insurance. So the biggest group of healthy customers will be most likely to drop out of the pool raising rates for everyone else.
Another possibility is that insurers could compete for customers by lowing their premiums so more people can afford them without subsidies. That would help those without subsidies but it's less likely.
JaneyVee
(19,877 posts)Guaranteed access to coverage + no subsidies to attract the healthy = huge rise in premiums.
jwirr
(39,215 posts)The affects everyone in the area.
Yo_Mama
(8,303 posts)mmonk
(52,589 posts)pre-existing conditions. If there is any affect negatively, it will be broad based. The ACA has been "baked" into the system so to speak.
subterranean
(3,427 posts)I don't see how they can require people to buy insurance without subsidies for the many who can't afford it otherwise. Without the subsidies, the whole thing falls apart.
Yes, the Republicans in Congress could easily fix it if necessary, but they won't because they would fear the backlash if they're seen as voting to save Obamacare, after they voted over and over to repeal it.
jwirr
(39,215 posts)are taking it away.
There is one thing that can be done by red state governors and that is to get with the program and join up. I read that Kansas is very close to doing just that even before the decision comes down.
subterranean
(3,427 posts)I believe they might be willing to fix the wording of the law, but only if they can also make other changes, such as getting rid of the medical device tax and changing the definition of "full-time" workers in the law. And Obama might go along with that.
Yo_Mama
(8,303 posts)It's a refundable advanceable tax credit, meaning that you can get more back than you pay in taxes, very much like the EITC.
DemocratSinceBirth
(99,710 posts)I read of a woman getting a $205.00 a month subsidy... With such a high subsidy I suspect her and folks like her have no tax exposure at at all...
And don't forget in many states single adults can't qualify for Medicaid.
Yo_Mama
(8,303 posts)There's nothing legally novel or difficult about this, and I suspect, given the election coming up next year, that's what would happen.
In the unlikely event that the SC strikes it. They literally have to amend one sentence in ACA.
DemocratSinceBirth
(99,710 posts)Suggesting they will restore the subsidies and giving tax breaks in lieu of subsidies are different unless the subsidies are going to make the EITC look like a negative income tax on steroids.
TheKentuckian
(25,026 posts)and I bet a lot of them ain't fixing to do that.
You can rationalize you are voting for the fix but I don't think it flies with the Bircher base.
spanone
(135,846 posts)csziggy
(34,136 posts)My husband retired and we have health insurance found through the HealthCare.gov site. We get a subsidy that makes insurance affordable to us - and that made it possible to leave a job that was wrecking his physical and mental health.
Without the subsidy we will have to pay nearly as much for the insurance as for the rest of our living expenses. If the subsidies are stopped, I don't know how we will come up with the money to pay for our insurance - but from what I read of the contract I agreed to we will still have to pay, subsidy or not. We may have to withdraw more money than I want from our retirement funds which will mean we will be in much worse financial shape in the future, but at least we can do it. And it will only be for a dew years until we're eligible for Medicare.
If nothing else, if the subsidies are wiped out I hope those contracts will be voided so people in worse positions than we are.
It's bad enough to live in a state like Florida where they refused to set up their own exchanges, but to be stuck with an extra bill because the Republicans brought in shills to claim bogus damages to take this to the Supreme Court really sucks.
subterranean
(3,427 posts)I don't know about the contract you signed, but the policies usually state that the insurer can cancel your insurance if you don't pay the premiums, right? So you should be able to just call them up and say you're not going to pay them anymore and tell them to cancel your policy. That may not be something you want to do, but it's an option for someone who's willing to risk going uninsured. The ACA provides an exemption from the individual mandate if the lowest-cost Bronze plan is more than 8% of income.
Of course, it'll be a moot point if the Court lets the subsidies stand.
csziggy
(34,136 posts)But I don't dare go without insurance. While I have been patched back together over the last fifteen years, with my health history, there is bound to be another body part that will fail. And though my husband hasn't had the problems I have, he's the same age and his health can't hold out forever.
I'm not going to fret over it - I have a suspicion the right wing SCOTUS members will rule in favor of the insurance companies still getting their money.
Mr.Bill
(24,303 posts)in Hillary Clinton campaign ads.
B Calm
(28,762 posts)still_one
(92,232 posts)Without the subsidies. Tax breaks for the working poor will do nothing. They real must think people are idiots
Agnosticsherbet
(11,619 posts)Republicans, saying it is proof that the ACA doesn't work will vote to repeal Obama Care once a week or so.
That is when things really get bad.
ALBliberal
(2,342 posts)kelliekat44
(7,759 posts)needs to be examine for technical errors. I am sure there are many. The Farm bills alone, oil companies, tobacco, dairy, soy, ...
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