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house Bill H.R. 370

Repealing the Affordable Care Act

Argument in favor

The Affordable Care Act (ACA) is still widely unpopular, and many have seen their health insurance plans canceled & premiums rise since it took effect.

ark4162's Opinion
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06/22/2015
YES ABSOLUTELY, I want every damn word of this crap law repealed and I DO NOT want it replaced. Our health care is non of the federal government's damn business. If you want to do something fix the lawsuit laws so Drs. can practice without fear of getting sued. Also get the money away fromt he big drug companies. Loosen regulations, lower taxes, there is plenty of ways to make health care more affordable. You don't have to have insurance if the cost is low enough you can pay as you go.
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Ryan's Opinion
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07/23/2015
It is not affordable. It need to be repealed before the rest of it implemented.
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Michael's Opinion
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08/15/2015
We need a single payer system . Make Medicare a ably to all!
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Argument opposed

This bill will never be signed into law by President Obama. Even if it were, repealing the ACA would be costly and people could lose their health insurance.

Chris's Opinion
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07/26/2015
Stop wasting the time and money in repealing.
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Marvin's Opinion
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06/24/2015
Leave the ACA alone. It has shown more benefits than harm.
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MateoLowe's Opinion
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08/08/2015
It won't be signed anyway and it gives benefits to millions of Americans that would lose healthcare as a result. That being said there are still some improvements that should be made to the program
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    YES ABSOLUTELY, I want every damn word of this crap law repealed and I DO NOT want it replaced. Our health care is non of the federal government's damn business. If you want to do something fix the lawsuit laws so Drs. can practice without fear of getting sued. Also get the money away fromt he big drug companies. Loosen regulations, lower taxes, there is plenty of ways to make health care more affordable. You don't have to have insurance if the cost is low enough you can pay as you go.
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    Stop wasting the time and money in repealing.
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    Leave the ACA alone. It has shown more benefits than harm.
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    It is not affordable. It need to be repealed before the rest of it implemented.
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    It won't be signed anyway and it gives benefits to millions of Americans that would lose healthcare as a result. That being said there are still some improvements that should be made to the program
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    Insisting on something over and over, dozens of times, no matter how much you're told no is something an infant does, which is why I find the limitless ACA repeal bills to be childish. If ACA has issues, let's grow up and fix them.
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    YES! REPEAL IT LIKE YOU PROMISED US YOU WOULD WHEN YOU WANTED OUR VOTES! The A.C.A. has been an unmitigated DISASTER! I DIDN'T get to keep my doctor! I didn't even get to keep the great insurance I had, because the company providing it had to switch to another insurance company! Premiums have gone through the roof for a lot of people, and many companies are not letting people work full-time or they are going out of business. I DON'T WANT SOCIALIZED MEDICINE! Let us buy insurance across state lines and GET UNCLE SAM OUT OF THE HEALTHCARE BUSINESS!! IF YOU MUST REPLACE OBAMACARE, THIS IS THE BEST PLAN I'VE SEEN FOR REPLACING IT! The Obamacare Replacement Act (S. 222) Sen. Rand Paul, M.D. Effective as of the date of enactment of this bill, the following provisions of Obamacare are repealed: o Individual and employer mandates, community rating restrictions, rate review, essential health benefits requirement, medical loss ratio, and other insurance mandates. Protecting Individuals with Pre-Existing Conditions Provides a two-year open-enrollment period under which individuals with pre-existing conditions can obtain coverage. Restores HIPAA pre-existing conditions protections. Prior to Obamacare, HIPAA guaranteed those within the group market could obtain continuous health coverage regardless of preexisting conditions. Equalize the Tax Treatment of Health Insurance Individuals who receive health insurance through an employer are able to exclude the premium amount from their taxable income. However, this subsidy is unavailable for those that do not receive their insurance through an employer but instead shop for insurance on the individual market. Equalizes the tax treatment of the purchase of health insurance for individuals and employers. By providing a universal deduction on both income and payroll taxes regardless of how an individual obtains their health insurance, Americans will be empowered to purchase insurance independent of employment. Furthermore, this provision does not interfere with employer- provided coverage for Americans who prefer those plans. Expansion of Health Savings Accounts Tax Credit for HSA Contributions o Provides individuals the option of a tax credit of up to $5,000 per taxpayer for contributions to an HSA. If an individual chooses not to accept the tax credit or contributes in excess of $5,000, those contributions are still tax-preferred. Maximum Contribution Limit to HSA o Removes the maximum allowable annual contribution, so that individuals may make unlimited contributions to an HSA. Eliminates the requirement that a participant in an HSA be enrolled in a high deductible health care plan • Currently, in order to be eligible to establish and use an HSA, an individual must be enrolled in a high-deductible health plan. This section removes the HSA plan type requirement to allow individuals with all types of insurance to establish and use an HSA. • This would also enable individuals who are eligible for Medicare, VA benefits, TRICARE, IHS, and members of health care sharing ministries to be eligible to establish an HSA. Allowance of Distributions for Prescription and OTC Drugs • Allows prescription and OTC drug costs to be treated as allowable expenses of HSAs. Purchase of Health Insurance from HSA Account Currently, HSA funds may not be used to purchase insurance or cover the cost of premiums. Allowing the use of HSA funds for insurance premiums will help make health coverage more affordable for American families. Medical Expenses Incurred Prior to Account Establishment • Allows qualified expenses incurred prior to HSA establishment to be reimbursed from an HSA as long as the account is established prior to tax filing. Administrative Error Correction Before Due Date of Return • Amends current law by allowing for administrative or clerical error corrections on filings. Allowing HSA Rollover to Child or Parent of Account Holder • Allows an account holder’s HSA to rollover to a child, parent, or grandparent, in addition to a spouse. Equivalent Bankruptcy Protections for HSAs as Retirement Funds • Most tax-exempt retirement accounts are also fully exempt from bankruptcy by federal law. While some states have passed laws that exempt HSA funds from being seized in bankruptcy, there is no federal protection for HSA funds in bankruptcy. Certain Exercise Equipment and Physical Fitness Programs to be Treated as Medical Care • Expands allowable HSA expenses to include equipment for physical exercise or health coaching, including weight loss programs. Nutritional and Dietary Supplements to be Treated as Medical Care • Amends the definition of “medical care” to include dietary and nutritional supplements for the purposes of HSA expenditures. Certain Providers Fees to be Treated as Medical Care • Allows HSA funds to be used for periodic fees paid to medical practitioners for access to medical care. Capitated Primary Care Payments • HSAs can be used for pre-paid physician fees, which includes payments associated with “concierge” or “direct practice” medicine. Provisions Relating to Medicare • Allows Medicare enrollees to contribute their own money to the Medicare Medical Savings Accounts (MSAs). Charity Care and Bad Debt Deduction for Physicians Amends the Internal Revenue Code to allow a physician a tax deduction equal to the amount such physician would otherwise charge for charity medical care or uncompensated care due to bad debt. This deduction is limited to 10% of a physician’s gross income for the taxable year. Pool Reform for the Individual Market Establishes Independent Health Pools (IHPs) in order to allow individuals to pool together for the purposes of purchasing insurance. Amends the Public Health Service Act (PHSA) to allow individuals to pool together to provide for health benefits coverage through Individual Health Pools (IHPs). These can include non- profit organizations (including churches, alumni associations, trade associations, other civic groups, or entities formed strictly for establishing an IHP) so long as the organization does not condition membership on any health status-related factor. Requires that the IHP will provide insurance through contracts with health insurance issuers in fully insured plans and not assume insurance risk with respect to such coverage. Allows the IHP to provide administrative services to members, including accounting, billings, and enrollment information. Interstate Market for Health Insurance Cooperative Governing of Individual Health Insurance Coverage Increases access to individual health coverage by allowing insurers licensed to sell policies in one state to offer them to residents of any other state. Exempts issuers from secondary state laws that would prohibit or regulate their operation in the secondary state. However, states may impose requirements such as consumer protections and applicable taxes, among others. Prohibits an issuer from offering, selling, or issuing individual health insurance coverage in a secondary state: o If the state insurance commissioner does not use a risk-based capital formula for the determination of capital and surplus requirements for all issuers. o Unless both the secondary and primary states have legislation or regulations in place establishing an independent review process for individuals who have individual health insurance coverage; or o The issuer provides an acceptable mechanism under which the review is conducted by an independent medical reviewer or panel. Gives sole jurisdiction to the primary state to enforce the primary state’s covered laws in the primary state and any secondary state. Allows the secondary state to notify the primary state if the coverage offered in the secondary state fails to comply with the covered laws in the primary state. Association Health Plans Association Health Plans (AHPs) allow small businesses to pool together across state lines through their membership in a trade or professional association to purchase health coverage for their employees and their families. AHPs increase the bargaining power, leverage discounts, and provide administrative efficiencies to small businesses while freeing them from state benefit mandates. While AHPs currently exist, strict Department of Labor standards exist regarding the types of organizations that may qualify as a single large-group health plan under ERISA. The standard stipulates that the association must be a group of employers bound together by a commonality of interest (aside from providing a health plan) with vested control of the association to such an extent that they effectively operate as one employer. This is considered a difficult standard for most associations to meet. Amends ERISA to define AHPs and allow for their treatment as if they were large group single employer health plans. This definition would allow a dues-collecting organization maintained in good faith for a purpose other than providing health insurance to benefit from the insurance regulation exclusions currently afforded to large-group health plans under ERISA. Requires solvency standards to protect patients’ rights and ensure benefits are paid. o Requires AHPs to have an indemnified back-up plan in order to prevent unpaid claims in the event of plan termination. o AHPs must undergo independent actuarial certification for financial viability on a regular basis. Requires AHPs to maintain surplus reserves of at least $500,000 in addition to normal claims reserves, stop loss insurance, or indemnification insurance. Anti-Trust Reform for Healthcare Provides an exemption from Federal antitrust laws for health care professionals engaged in negotiations with a health plan regarding the terms of a contract under which the professionals provide health care items or services. This section applies only to health care professionals excluded from the National Labor Relations Act. It would also not apply to contracts or care provided under Medicare, Medicaid, SCHIP, the FEHBP, or the IHS as well as medical and dental care provided to members of the uniformed services and veterans. Increasing State Flexibility to Conduct Medicaid Waivers Provides new flexibilities to states in their Medicaid plan design, through existing waiver authority in current law. For many years, including under Obamacare, States have had the option to request a waiver from HHS to allow states to test new coverage rules under Medicaid and other programs. This provision would allow states to make changes to their Medicaid plans without interference from Washington. Self-Insurance Protections Amends the definition of “health insurance coverage” under the Public Health Service Act (PHSA), and parallel sections of ERISA and the Tax Code, to clarify that stop-loss insurance is not health insurance. This provision is designed to prevent the federal government from using rule-making to restrict the availability of stop-loss insurance used by self-insured plans. https://www.paul.senate.gov/imo/media/doc/ObamacareReplacementActSections.pdf
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    Healthcare costs are more under control and more people have healthcare insurance or better coverage. The only valid reason for repealing the ACA would be to expand Medicare to cover everyone in the country.
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    We need a single payer system . Make Medicare a ably to all!
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    This law has done nothing except violate our constitutional rights and forcefully take from one to give to another.
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    The ACA was flawed from the start. Most premiums double or even tripled. People were paying for unnecessary coverage, i.e. a single man paying woman's birth control under his policy, because the law required it. Classic example of the government over reaching into arenas it has no business in.
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    I support repealing the affordable care act
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    Yes, get rid of it!
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    The ACA works very well, and i have yet to hear an alternative
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    I love how people who know nothing about healthcare think that they have a say. If that's the case, I think that all food, entertainment, cars, gas, and housing should be free and given to everybody. Wait didn't they try that in the USSR, and look what happened. Why don't people talk to people in the actual medical field before messing with it. My father, wife and I have a combined 40 years in the field yet no one has ever asked how I have felt. Yes it can be expensive, quit using the ER as a PCP's office, there is a reason it's called an EMERGENCY room. Maybe instead of trying to reform the greatest health care system in the world, and I can quote many many reasons why it is, reform the piss poor insurance business, Medicare abuse, Medicare fraud, waisted money in ridiculous lawsuits, and other misc expenditures. People get so pissed when they can't get a med that will keep them alive for 10 buck, but will spend ungodly amounts on tickets, and other things that are not as important as their life. Take responsibility for your life, it not my job and I should not be made to pay for it. I will say that I have no problem paying for kids that can't afford their treatments, they are our future.
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    This monster was forced down our throats and illegally changed numerous times. People lost their doctors and premiums went up. Most of it turned out to be a lie. It was changed so much that the original bill is unrecognizable.
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    The Affordable Care Act only made health insurance more expensive for the working class and create a way for low lifes and criminals to get free insurance. I see it everyday in the ER, drug dealers and thieves with Medi-Cal, the California version of Federal free health insurance for people on welfare. The ACA made the guidelines for this service more broad and it has created a flood of non-emergent patients going to ERs simply because it is free and convenient. I'm not sure I have a solution for our healthcare problems but the ACA has only made them worse.
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    The affordable care act has proven to be a failure yet we still keep it around to serve as a political flagship. It's rollout was awful, we ended up not really getting to keep our doctors, our insurance premiums sky rocketed, we learned the bill had many hidden policies in it... I could go on all day. We need to completely repeal Obamacare and replace it with a better alternative.
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    Six million people need health care
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    You are paying much more for very poor care that is getting worse by the second!
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