First off, The SC should have heard this case months ago. This thing needs to be decided. Love it or Hate it, it needs to be decided one way or another now. Everyone needs to be able to move forward.
Second, The auto insurance argument is tired and weak, please just stop. The STATES do that, because The Constitution says they can
Third, on the subject of severability of the individual mandate - The law was specifically written so there is no severability. It was in there originally, but the finished bill was written SPECIFICALLY AND WITH INTENT so that severing it from the rest of the bill is not possible.
Fourth - The following is my educated opinion of the Act itself. A previous poster said that maybe ten people had actually read the damn thing. Well I have. Am I number 11?
Here's the problems with the bill. Everybody is aware of what the main problem is with healthcare. It is RISING COSTS! This Act does NOTHING to adress that issue. If you don't adress that issue, then NOTHING you do has a chance of helping the situation. Now Obama said he would televise the entire process. Then he went behind closed doors with the lobbyists and industry executives. He threw out the cameras and reporters and went Off Grid. What emerged from that was a BAD BILL. It gives insurance companies, and through the insurance companies the Hospital and Pharma industries, A DIRECT PIPELINE INTO OUR TAX DOLLARS!!! For instance, a 40 yr old man making 20k per year will pay 4,500 for single coverage. Because it is based on a percentage of income, that mans insurance would cost $4500.00, he would pay $1019.00 of that. The other $3,481.00 would be payed directly from the Govt to the insurance company.
There is nothing in the bill that limits what the insurance companies can charge. There is no limit to yearly increases. There is a stipulation that says they must devote 85% to patient care. BUT! Can there be patient care without clerks to pay the hospitals? And there has to be managers to oversee them right? And there's no patient care unless there is a treasurer to cut the checks...And a CFO to oversee the finances...etc, etc... You see where this is going. Patient care is not so clearly defined in this monstrosity of a bill. And 15% profit? Bernie Madoff was promising 13% and everyone said they should have known it was too good to be true. What is 15% in profits on the entire insurance industry? Quite a bit. They WILL game this system, and there are many holes to game through.
SO! The insurance agencies will now have all those healthy uninsured people paying into the system. Thier costs will be lower. Do you think they will lower their rates? HA! Thay won't!
The Hospitals now will no longer have to absorb all those costs from the uninsured. Do you think they will lower their prices? HA HA! They won't!
The Pharma companies will now have a huge market of newly insured. Their sales will skyrocket. Do you think they will lower prices? HA HA HA! They won't!
This is a BAD BILL! It is a WINDFALL for the Hospital, Pharma and Insurance industries. A taxpayer funded BONANZA of profits! It does nothing to adress rising costs. Now, if Obama did nothing, rates would have continued to increase. Now, because he did pass this bill, he will get the blame. Simple really. And because this so called "constitutional scholar" hung his hat on The Commerce Clause, rather than making it a Tax, and because he decided to write it in a way that made severability impossible, we are screwed. The Federal Government can do taxes, no question. Can they force people to engage in commerce? Force people to contract with a private for profit company? Most people think not, but we shall see.
Conclusion? Obama Blew it. And now we are in danger of losing the GOOD parts of the bill, like the pre-existing conditions part, and the part allowing young adults to remain on their parents insurance for longer. No single payer option (which the poor broke insurance companies are strangely terrified of), no interstate competition, no tort reform, no allowances made to purchase cheaper drugs elsewhere, no bringing prices down whatsoever! And the insurance companies are raising rates like crazy before somebody on The Hill figures it out and caps them. Terrible.
Another well meaning but poorly thought out and horribly executed Obama Failure.
Please run Hilary, PLEASE!!!!!!!!