6 months ago
Last edited at 10:23AM on 10/10/2013
You need to read what it actually is. It's not an insurance plan in itself, the ACA is a set of laws to better the health insurance system for the good of the consumer.
If you don't have health insurance, the hospitals are still required to give you emergency care. Someone has to pay for that emergency care, and the cost is normally passed to consumers who DO have insurance. The mandatory tax is a way to put the cost back on the people who cause it.
You can purchase a plan just like you could before through companies who are participating. The only reason for having an account with Healthcare.gov is to apply for the subsidy to help pay your premium. If you are making over a certain amount (which varies depending on where you live $30,000 to $50,000), you do not qualify for premium assist and will be paying the full retail for a plan or a tax penalty for not signing up.
The ACA was designed as a solution for funding the medical care of indigents. In order to get poor people covered, you need a large pool of people who had previously not purchased insurance. In order to get them to sign up, you have to coerce them. Enticing them doesn't work, as there are healthy and won't spend a dime if they don't have to.
Republican Senator Charles Grassley from Iowa, added to the bill mandating that members of Congress would have to buy health insurance on the newly created health insurance exchanges.
However the federal government already receives healthcare through a program called the Federal Employees Health Benefits Plan (FEHBP). No other business has been legally required to drop health insurance for its employees.
Therefore this is in dispute due to incompetent legislation by someone who didn't thoroughly assess the bill.