If there were a mandate that everyone have health insurance, there would HAVE to be a set of subsidies beyond tax incentives for people making less than XX dollars a year......
I don't know where the subsidies would begin....
SO:
You have to have health insurance. If you cannot afford it, the Fed will subsidize your health care.
And you cannot be dropped or denied treatment.
This sounds vaguely like what a public option would try to accomplish.
3. No. The purpose of the public option is to drive down costs.
The purpose of the individual mandate is to assure "near-universal" coverage and to make sure that "everyone pays into the system" (i.e. to criminalize the uninsured and to make sure they pick up the majority of the cost of the insurance that they will be forced to buy so that Democrats will be able to claim that they are fiscally conservative).
7. It does not accomplish the goals of a public option and here's why
The insurance companies will still be charging whatever premium they want (within some guidelines that are not certain to bring their price down). People at 300-400% of the FPL will get a subsidy from the government to keep the cost of their premium at or below 12% of their income. People with incomes above that level will pay the full price of the premium without help. The lack of a public option will leave them with no more affordable option than whatever the hell the private insurance company wants to charge. Taxpayers will be buying their own and their taxes will go to the insurance companies to pay for subsidies for lower income citizens.
8. No. A public option could enroll the poor without demanding premiums.
Whereas even were there subsidies, a plan without a public option would result in public monies being paid to private insurance plans. However, I'm not at all sure that there will be subsidies.
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