Dedicated Insurance Professionals you know and trust...like Family
Issue No. 6 - Special Healthcare Reform EditionApril 3, 2012
Healthcare Reform
tracking the
national debate

Greetings!

 

 

When the healthcare overhaul became law after a bitter debate, many Democrats predicted Americans would grow to like it as they started enjoying some of the early benefits. 

 

The day after the President signed the bill into law two years ago, an average of major polls showed 50.4% of Americans opposed. Last week, that number changed by only a tenth of a percentage point, ticking up to 50.5%.

 

The health law remains a tough sell for reasons that go beyond the drumbeat from Republicans for its repeal and questions about its constitutionality that has been debated in the Supreme Court through the course of this past week.

 

Some elements have been a success while still other pieces, designed to win public support, haven't worked well. Still, the Obama administration says the program is fulfilling its goal.

 

When the overhaul's provisions take effect in 2014, how will the health law perception change? Now and in the perceived future, slow to win favor.

 

 
 

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Sincerely,

 

Stoney Jackson
Executive Director
Texas Ag Co-op Trust
Healthcare News -
Key Phase of Healthcare Debate Begins

 

Historic and closely watched arguments that could determine whether most Americans will have to buy healthcare coverage or pay penalties began with the legal and political world watching.

 

Rather than concentrating on merits of substance of the 2,700 page healthcare law passed in 2010, opening day arguments centered on whether lawsuits challenging the case are premature.

 

Arguments strike at the heart of patient protection by challenging its requirement that U.S. residents either buy insurance or pay a penalty -  a mandate that starts in 2014, with the first fees to be collected by the IRS on April 15, 2015.

 

NOTE: The Congressional Budget Office has estimated that the fees will produce between $5 billion and $6 billion annually,

 

This report contains material partially

obtained from the Washington Post

 


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Facing the Constitutional Test

Split evenly over the question of whether the "individual mandate" requiring Americans to carry health insurance or pay a fine is constitutional, the prospect was clearly raised that the president's signature domestic achievement could be struck down.

 

Reporting by the Wall Street Journal dated Wednesday, March 28 states "At the Supreme Court, the courtroom again was packed and demonstrators outside filled the streets. Inside, the justices finally arrived at the centerpiece of the case after two years of leagal battles, and they dived head first into questioning what powers the federal government has and when do they go too far."

 

According to the report, the government described an existing nationwide market for health services and said almost everyone already is part. The challengers saw the product in question as health insurance and said people have a right to stay out of that market if they wish. These same challengers conceded that the government could do many things to regulate the healthcare market, including requiring individuals to pay for medical services with insurance or creating a system in which the government pays for everyone's care.

 

The law aims "to get care for the ones who need it by having everyone in the pool but is also trying to preserve a role for the private sector, for the private insurers," said Justice Ruth Bader Ginsburg.


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The "What If?"

From Wire Reports

The day after the Supreme Court suggested that President Barack Obama's healthcare law may be in danger of being held unconstitutional the justices turned their attention to the practical consequences and political realities of such a ruling.

 

The Justices seemed divided on both questions before them: What should happen to the rest of the law if the court strikes down its core provision? And, was the law's expansion of the Medicaid program constitutional?

 

The court had, on the third and final day of historic set of arguments, moved from the high theory of constitutional interpretation to the real world consequences of what various rulings would entail, leaving both supporters and opponents mapping strategies for the months until the court decides the case.


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To Your Health...
GOP-led House Okays Budget with Medicare Shift, Cuts

From the Associated Press - A divided House approved a $3.6 trillion Republican budget Thursday, March 29, a decision that would recast Medicare and impose sweeping cuts in domestic programs.

 

The vote capped a battle that gave both political parties a campaign season stage to spotlight their warring deficit-cutting priorities.

 

The partison divisions over the measure also underscore how tough it will be to achieve the cooperation needed to contend with tax and spending decisions that will engulf Congress after the fall elections.

 

The fiscal plan the House passed by a vote of 228-191 would reshape and squeeze savings out of Medicare and Medicaid, the federal health insurance programs for the elderly and poor. It would force deep cuts in a wide range of spending, including rail projects, research and Pell Grants for college students.

 

It would block President Obama's plans to raise taxes on couples earning more than $250,000 a year. Instead, it would collapse the current six income tax rates into just two. Overall, the GOP budget would cut spending $45.3 trillion more deeply over the next decade than Obama would - out of more than $40 trillion that would be spent. It would cut taxes by $2 trillion more than the President's plan, leaving Republicans seeing a $3.3 trillion in deeper deficit reduction than Obama.

 

The measure immediately became a grist for presidential campaign.

 

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Health Law Wrap-Up
What Now?
 Now that the Supreme Court hearings are over, what will happen?
 
The Justices must decide how they will rule on the case. They will consider the arguments they heard this week and others that were submitted in writing in addition to their own reading of the law.
 
When will they decide?
They can issue a ruling at any time, but a decision is likely to come in late June just before they adjourn.
 
In the meantime, will anything happen to my insurance?
The healthcare law will remain in force unless the court rules otherwise. Any changes that may have been made to your plan to comply with the law are still in effect.
 
What changes may have been made to my plan because of the law?
If you have a private plan, it may, among other new features, allow you to include children up to age 26. The plan may also cover preventive services such as colonoscopies and mammograms without copays or deductibles and it will have eliminated lifetime limits on what it will pay for our care. If you are on Medicare, you also have preventive services with no out of pocket charges and you are eligible for a prescription discount on drugs if you reach the program's "doughnut hole" coverage gap.
 
When the court rules, what might it do?
The court could uphold the law, overturn it, strike some provisions while leaving others in place or rule that a decision must wait until the law takes full effect.
NOTE: If you are a senior on Medicare who has been receiving a discount on drugs, that will go away if the entire law is overturned.
 
What will happen if the court strikes down only the requirement that nearly all Americans obtain insurance?
All the rules discussed above would remain in force. And, the provisions set to take effect by 2014 would roll out as scheduled. Without the mandate, the law's other requirements might substantially drive up insurance premiums.
Courtesy The Washington Post - NC Aizenman

 

 

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Facebook Features
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TACT has been working to keep you up to date on the healthcare debate as it happened by posting up to the minute info and video/audio feeds. Visit us on Facebook or copy the links below into your browser to hear coverage of oral arguments.

  

 

 

 

March 28 - You may click on the link below for CSPAN's coverage of Tuesday's oral arguments on the challenge to the Affordable Care Act. Affordable Care Act- Supreme Court Hearing, March 27, 2012 http://www.c-spanvideo.org/program/LawOra

 

 

 

 

March 27 - CSPAN has released audio of yesterday's Supreme Court hearing on the challenge to the Affordable Care Act. You may click on the link below
to hear the oral arguments.
Affordable Care Act - Supreme Court Hearing, March 26, 2012 
http://www.c-span.org/Events/C-SPAN-Coverage-of-Health-Care-Oral-Argument/10737429097-5/



 

 

 

 

In This Issue
Healthcare Debate Begins
Facing the Constitutional Test
The What If?
To Your Health
Health Law Wrap-Up
Facebook Features
Facebook Feature 
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Sincerely,

 

Stoney Jackson
Executive Director
Texas Ag Co-op Trust
 
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